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Jan 21, 2021
7:22
:32
am
NOCAL_YFAN
All-American
Yep, I took advantage of the creative financing back in 2003 in the SF Bay Area
and walked into a house with nothing down.
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NOCAL_YFAN
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NOCAL_YFAN
Joined
Jul 11, 2001
Last login
May 19, 2024
Total posts
18,433 (10 FO)
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Messages
Author
Time
POLL: What % did your put down on your first house?
PabloSanchezz
1/21/21 7:08am
Where is the 0% option?
Radioactive Coug
1/21/21 7:08am
Yep, I took advantage of the creative financing back in 2003 in the SF Bay Area
NOCAL_YFAN
1/21/21 7:22am
Yep, USDA (RD) loan at 0%
hugoreyes
1/21/21 7:24am
Same. VA loan.
Junior Deputy
1/21/21 7:55am
Yep first time home buyer program for 0%
runnincoug
1/21/21 7:59am
FHA 221D-2 loan with 3% down. received 3% commission on purchase, net ZERO down.
grandpacoug
1/21/21 9:33am
-1.5%. Had a grant from the county and actually got money back at closing
4th and Niner
1/21/21 7:23am
And that is how you win at life.
WDaddy
1/21/21 7:23am
0% USDA
BIG XII Coug
1/21/21 7:56am
So you're paying closing costs too for the next 30 years, with interest?
TheLoneCougar
1/21/21 8:29am
I did the same, but leveraged that into enough equity in my next house that I'll
Adwight
1/21/21 8:36am
Equity can't always be assumed but luckily for most over the past 10 years, it has basically gone up and to the right.
TheLoneCougar
1/21/21 8:43am
Sold that house after 3 years after it went up 40% in value.
BIG XII Coug
1/21/21 10:09am
Where is 100%?
Archaea
1/21/21 8:17am
0% rural housing loan
BYUFootballisBack
1/21/21 8:26am
People feel proud about putting 0% down, but remember that all gets rolled into the amortization schedule.
TheLoneCougar
1/21/21 8:31am
Not pride, just not a poll option...
BYUFootballisBack
1/21/21 8:40am
It certainly may not be the case with you, but a lot of CBers take pride in borrowing as much money as possible using
TheLoneCougar
1/21/21 8:45am
Not at all. It was a good way to get into a home quickly.
Radioactive Coug
1/21/21 9:26am
Exactly, and enabled us to buy our first home when we otherwise couldn't.
runnincoug
1/21/21 9:37am
Yep, we were graduating college, went looking for fun, realtor presented 0% down
BYUFootballisBack
1/21/21 11:37am
0% VA loan
ChinaFan
1/21/21 9:26am
First real estate I bought was a condo while I was a BYU student, and I did FHA with 3.5% down. First home I bought I
cheezedawg
1/21/21 10:44am
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