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Most homeowners wish they knew more about down payments before buyin.

  • Writer: Kasie Fogleman
    Kasie Fogleman
  • Apr 21
  • 2 min read

🏔️ Colorado Homebuyers: You Might Be Closer Than You Think

Thinking about buying a home in Colorado but feel like you need a huge down payment?

You’re not alone—and you might be waiting for the wrong reason.

A recent national survey found that 85% of homeowners wish they had known more before starting the homebuying process.The biggest surprise?

👉 Most didn’t realize you don’t need 20% down to buy a home.

💸 What Most Colorado Buyers Don’t Know

Here’s the reality:

  • Many buyers purchase with 3%–10% down

  • Some even qualify for 0% down or down payment assistance programs

  • There are Colorado-specific programs that can help bridge the gap

And yet… a large number of buyers never explore these options before assuming they’re not ready.

🤔 Where Buyers Get Stuck

In today’s Colorado market, the challenge isn’t just buying—it’s knowing how to prepare.

Many buyers:

  • Overestimate how much cash they need

  • Don’t realize they can negotiate concessions or rate buydowns

  • Get caught off guard by ongoing costs like taxes, insurance, and maintenance

👉 The difference between a smooth purchase and a stressful one?Having a plan before you start.

👍 The Good News

Even with all the unknowns…

Nearly 3 out of 4 homeowners say they would buy again.

Because once you understand your options, the path gets a whole lot clearer.

👉 Want to Know What This Looks Like for You?

If you’re even thinking about buying in Colorado—this is where to start.

👉 [Get Your Personalized Homebuying Game Plan Here](Quick, no pressure—just real numbers and options based on your situation)

Or reach out directly: 970-744-0985

My Take

A lot of buyers in Colorado aren’t priced out…

They’re information out.

So I’ll leave you with this:

👉 Are you waiting because you can’t buy yet…or because no one’s shown you how?


 
 
 

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Kasie L Fogleman, Realtor

Colorado Home and

Land at Keller Williams Avenues Realty 

                

5701 Yukon St. Arvada, Co 80002

970-744-0985    |    kasie@kw.com

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