Many first‑time buyers in Athens worry most about the down payment. Saving up thousands of dollars can feel impossible, especially if you are paying rent and other bills. The good news is there are programs and loan types that can lower how much cash you need up front.
Some loans let you buy with a small down payment, like about 3% or 3.5% of the price, if you meet credit and income rules. There are also special loans for veterans and some rural areas that can offer very low or even zero down payment. On top of that, some state or local programs may offer down payment assistance or grants for first‑time buyers.
A smart first step is to talk to a local lender and a real estate agent who know the Athens market. They can help you see which loans you might qualify for and whether there are any current assistance programs you can use. Once you know your options, buying your first home feels a lot more possible and a lot less scary.
