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The “$20K rule” is one of the biggest myths keeping first-time buyers on the sidelines. I talk to buyers all the time who’ve been waiting years to hit a number… that was never actually required. Here’s what your options actually look like in Florida 👇 ✨ FHA Loan 3.5% down with a 580 credit score On a $350,000 home that’s about $12,250 Gift funds allowed Seller concessions can often help cover closing costs ✨ Conventional 3% (HomeReady / Home Possible) 3% down options for first-time buyers That’
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