Published January 27, 2026

Where Does The Downpayment Come From?

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Written by Kit Miller

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There are some programs where the “own funds” requirement is only 3%, the balance can come from a gift or a secured loan. Keep in mind a secured loan must be reported as existing debt. The truth is, there is a lot to know on this subject, but you don't have to figure it out all on your own, we can go over all of your questions.

home

Are you buying or selling a home?

Buying
Selling
Both
home

When are you planning on buying a new home?

1-3 Mo
3-6 Mo
6+ Mo
home

Are you pre-approved for a mortgage?

Yes
No
Using Cash
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Would you like to schedule a consultation now?

Yes
No

When would you like us to call?

Thanks! We’ll give you a call as soon as possible.

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When are you planning on selling your home?

1-3 Mo
3-6 Mo
6+ Mo

Would you like to schedule a consultation or see your home value?

Schedule Consultation
My Home Value

or another way