Let’s talk about one of the biggest questions I hear from buyers in Daytona Beach and the surrounding areas: what’s the average down payment for a home? In 2025, the median down payment for U.S. homebuyers was 19%. For first-time buyers, it was 10%, while repeat buyers put down 23%. Your loan type plays a big part in how much you’ll need—some options require less, and putting down 20% helps you avoid PMI. There are also assistance programs and smart budgeting strategies out there to help make homeownership more accessible. After 24 years helping buyers and sellers navigate these decisions, I know how unique each situation can be. Whether you’re just starting out or planning your next move, my goal is always to provide honest advice and tailor solutions that fit your real estate journey.
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