FHA loan let's you put 3% down. Most lenders can set one up for you. Don't buy near vacant land: your house won't appreciate in value ("You should buy land, th

FHA loan let's you put 3% down. Most lenders can set one up for you. Don't buy near vacant land: your house won't appreciate in value ("You should buy land, they're not making anymore"). Don't buy a townhouse/condo either. Check local demographics of nearby elementary schools. Assume your real estate agent wants to screw you over and don't trust the buyer nor seller agent.