Well, I borrowed from the bank. But I think just about everyone does that. Other than that, no money borrowed. My parents paid for my college 100%, which gave me a huge headstart in life, as I didn't need to pay off any student loans. After college I got a job at a startup, which gave me a bunch of stock, and then we sold the company, which gave me a really nice payday. My down payment and moving costs were entirely funded by that.

So it was a mix of luck between having parents that could pay for my college, luck getting a job at a company that sold, and then moving to a less expensive area. Of course, I don't want to downplay how hard I worked in college and at the startup to put myself in a situation where I could get lucky.