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#ad Looking to buy your first home but feel intimidated by the 20 percent down payment? What the home-buying narrative tends to omit is that the benchmark of 20 percent down is purely a convention, not a requirement. Once you start understanding the different ways you can approach loans, you can start thinking creatively. After all, the down payment percentage is only part of the picture — the type of loan you choose can shape your monthly payment, flexibility, and long-term costs just as much.