If you've been feeling priced out of the market, here's some good news. Today's buyers are putting less money down, making homeownership more within reach than you might think.

The typical buyer put down about $23,400 in early 2026, which is 19% less than a year ago and the lowest down payment we've seen since 2021. So, how is that happening?

A more balanced market and more moderate home prices are making it easier to buy without a huge upfront payment. On top of that, more buyers are choosing loan options like FHA and VA loans that require little or even no money down.

That combination is helping more people stop waiting and finally make their move into homeownership.

If saving for a down payment has been holding you back, now's the perfect time to explore your options.