Most buyers assume they need 20% down. The real number is far lower, and inside Grants Pass city limits there is a legitimate path to buying with little or no cash out of pocket. This guide covers what buyers actually put down, the true minimum by loan type, and the local zero-down toolkit: Oregon’s FirstHome and NextStep programs, down payment assistance up to $60,000, Home$tart, the HOME Foundation grant, VA loans, and how the pieces stack together.

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Keep reading: How to Buy a Home in Southern Oregon · Southern Oregon Real Estate Funding Sources