Think you need 20% down to buy? You don’t. The median first-time buyer in Indiana put down about 10% in 2025, and some loans start at 0%. Here’s what you actually need, what a smaller down payment really costs, and where to find help.

After a conversation with Davonne, a Taylor Morrison sales rep, René breaks down how young renters in their 20s and 30s can turn everyday spending on delivery and coffee into a down payment. It’s not an income problem, it’s a habits problem, and habits can change.