{"id":10726,"date":"2019-11-29T11:10:39","date_gmt":"2019-11-29T11:10:39","guid":{"rendered":"https:\/\/kenyahomes.co.ke\/blog\/?p=10726"},"modified":"2019-12-11T07:35:22","modified_gmt":"2019-12-11T07:35:22","slug":"how-much-of-a-down-payment-do-you-need-to-buy-a-house","status":"publish","type":"post","link":"https:\/\/kenyahomes.co.ke\/blog\/how-much-of-a-down-payment-do-you-need-to-buy-a-house\/","title":{"rendered":"How Much of a Down Payment Do You Need to Buy a House?"},"content":{"rendered":"\n<p> Many people believe they need a 20 per cent down payment to buy a house, but it\u2019s possible to purchase even a brand-new house with as little as 3.5 per cent down \u2014 or even&nbsp;nothing down at all.<\/p>\n\n\n\n<p>Most Kenyans hold the mistaken belief that a 20 per cent down payment is required to buy a home, even though many types of loans allow much smaller down payments.<\/p>\n\n\n\n<p>The reality is that most of the time you don\u2019t need 20 per cent.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/kenyahomes.co.ke\/blog\/common-down-payment-myth-explained\/\">misperception<\/a> might be typical of first-time buyers and people who lost their house to foreclosure during the 2008 financial crisis.<\/p>\n\n\n\n<p>People oftentimes have the assumption that they have to come up with 20 percent down when really as little as 3.5 percent or 5 percent will get you into a home.<\/p>\n\n\n\n<p>Low down payments aren\u2019t just for resale homes. In fact, the same opportunities exist to buy a newly built home.<\/p>\n\n\n\n<p>If a homeowner is buying a traditional single-family home from a builder, there aren\u2019t any down payment requirement differences than if they were buying an existing house across the street.<\/p>\n\n\n\n<p>So, what are the minimum down payments?<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Conventional Loans<\/strong><\/h5>\n\n\n\n<p>The minimum down payment to buy a home required for a conventional loan that conforms to known guidelines with a loan amount up to 4,500,000 is just 15 per cent of the house\u2019s purchase price. If the amount is larger than 4,500,000 the down payment can be as low as 10 per cent.<\/p>\n\n\n\n<p><em>Note: The down payment highly depends on the property and your seller. <\/em><\/p>\n\n\n\n<p>Most lenders have jumbo loans with a little bit over 10 per cent down payment available in the marketplace.<\/p>\n\n\n\n<p>Even smaller down payments are allowed for conforming loans.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>SACCO Loans<\/strong><\/h5>\n\n\n\n<p>The minimum down payment to buy a home with a SACCO loan is just 3.5 to 6 per cent of the home\u2019s purchase price. <\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Mortgage Insurance<\/strong><\/h5>\n\n\n\n<p>Low-down-payment home loans typically involve mortgage insurance or a funding fee. The insurance is paid monthly. The fee is paid upfront but can be financed as part of the loan amount or through a higher interest rate.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Custom-Built Homes<\/strong><\/h5>\n\n\n\n<p>The down payment requirements for a newly built home are almost always the same as the requirements for an existing home, but there are two possible exceptions. The first exception is custom-built homes.<\/p>\n\n\n\n<p>Many new construction homes are production houses built in large volume by homebuilding companies. These generally aren\u2019t considered custom homes, even though they come with plenty of personalized options.<\/p>\n\n\n\n<p>A true custom home means the buyers obtained financing to purchase land and hired a builder, and often an architect as well, to construct a home especially for them. In that case, the lender generally will require a larger down payment since the house doesn\u2019t exist yet.<\/p>\n\n\n\n<p>With custom homes, when the buyer is responsible for financing the construction costs, buyers typically use a construction-to-permanent, or C2P loan. With the construction-perm program, there is a difference in the down payment (compared with) an already-built home.<\/p>\n\n\n\n<p><strong>Apartment Homes<\/strong><\/p>\n\n\n\n<p>The second exception is the newly built condominiums.<\/p>\n\n\n\n<p>Whether a buyer will need a larger or smaller down payment in this situation depends on the lender\u2019s guidelines, type of loan, property location and proportion of units that have been pre-sold during the construction phase.<\/p>\n\n\n\n<p>Nairobi is a place where lenders might require a larger down payment and a higher proportion of presales for a buyer to finance a newly built condo. It\u2019s a little tougher (to buy with a low down payment) in the Nairobi market. <\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Get Prequalifie<\/strong>d<\/h5>\n\n\n\n<p>The bottom line is that most people don\u2019t need a big down payment to buy a house \u2014 and some don\u2019t need any down payment at all.<\/p>\n\n\n\n<p>The only way to find out for sure is to talk to a lender. A lot of people have the income and means to buy a new home and are stuck on the notion, for whatever reason, that they can\u2019t do it. <\/p>\n\n\n\n<p style=\"color:#77c720;font-size:11px\" class=\"has-text-color\"><a href=\"https:\/\/kenyahomes.co.ke\/blog\/creative-ways-millennials-can-save-for-a-down-payment\/\">See Also: Creative ways Millennials can save for a Down Payment<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many people believe they need a 20 per cent down payment to buy a house, but it\u2019s possible to purchase even a brand-new house with as little as 3.5 per cent down \u2014 or even&nbsp;nothing down at all. Most Kenyans hold the mistaken belief that a 20 per cent down payment is required to buy [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10737,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"amp_status":"","footnotes":""},"categories":[29],"tags":[],"class_list":{"0":"post-10726","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-financing"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much of a Down Payment Do You Need to Buy a House? - Kenya Homes<\/title>\n<meta name=\"description\" content=\"Exactly how much down payment do you need to buy your dream home? It varies with the property and lender as well as your seller\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kenyahomes.co.ke\/blog\/how-much-of-a-down-payment-do-you-need-to-buy-a-house\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much of a Down Payment Do You Need to Buy a House? - Kenya Homes\" \/>\n<meta property=\"og:description\" content=\"Exactly how much down payment do you need to buy your dream home? 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