In Long Island's low-inventory, high-demand market with inflated prices, coming up with the tens of thousands of dollars needed for a down payment is daunting for many. Luckily, experts say most first-time buyers are competing with others who don't put down anything near 20%. For more on this story, visit the link in bio. (Photo Credit: Thomas A. Ferrara, Rick Kopstein, Elizabeth Sagarin) #longisland #longislandny #liny #lihomes #suffolkcountyny #nassaucountyny #homeowner #owningahome #housingmarket #downpayment #housedownpayment #home #house #housingcosts