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Charging to tour rental properties...
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this post was submitted on 06 Aug 2025
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Mildly Infuriating
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4 people with 5k each can get almost 20% down on a 350k propery. Thats pretty decent except in the most expensive cities. 10k is harder but with 4 people would let you buy pretty much anywhere.
And with that many people on the loan a lot of banks would let you put less down. 15% has become really common even for single income buyers and special programs like CRA exist to let you go down to 10% even in coastal cities. My house was in the CRA program zone and it’s only 1 mile from the beaches and downtown. CRA has no limits on number of shared buyers.
Do you think that 20% of $350k is about $20,000? I feel like I'm missing something important here .
Maybe first-time home buyer programs? But those are like 3% typically so it wouldn't get you there and that's before including closing costs, moving costs, and possible repairs.
350,000 x 0.20= 70,000
70,000 / 4 = 17,500
17,500 - 5000 = 12,500
Each person would need 17,500 for a 20% down payment, 12,500 more than the 5000 quote.