---
title: "Can I buy with 3% down?"
description: "Answer to: Can I buy with 3% down?"
url: https://homes-support.padzilly.com/en/articles/52-can-i-buy-with-3percent-down
collection: "Home buying Tips"
updated: 2026-02-13
language: en
alternates: [es]
---

# Can I buy with 3% down?

Answer to: Can I buy with 3% down?

Yes, many conventional first-time buyer programs allow 3% down, assuming you qualify based on income, credit, and debt-to-income ratios. However, putting 3% down usually means you will have mortgage insurance. That increases the monthly payment. Low-down payment programs are excellent tools when used strategically.

Please consult your Mortgage Advisor for guidance specific to your situation before making changes.