# @raymiramontes_realestate on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DYP3qB7COYO
- **Gondola URL:** https://gondola.cc/posts/65357898-raymiramontes-realestate-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/28ba99e1ad.jpg
- **Posted:** 2026-05-12T18:03:37.000+00:00
- **Account Owner:** Ray Miramontes | CA Realtor (@raymiramontes_realestate) — https://gondola.cc/raymiramontes_realestate

## Caption

Down Payment Needed To Buy In SoCal 2026 🚨 Call Or Text For More Info: 562-600-9793

Wondering how much you actually need saved to buy a home in Southern California? Here's what 20% down looks like in 2026 based on current median sale prices across popular SoCal cities:

📍 Paramount: ~$140K (median $700K)
📍 Bellflower: ~$145K (median $724K)
📍 Downey: ~$166K (median $830K)
📍 Carson: ~$168K (median $840K)
📍 Signal Hill: ~$178K (median $890K)
📍 Long Beach: ~$181K (median $905K)
📍 Lakewood: ~$184K (median $920K)
📍 Seal Beach: ~$208K (median $1.04M)
📍 Cerritos: ~$226K (median $1.13M)
📍 Huntington Beach: ~$280K (median $1.4M)

How much do I need to put down on a house in Southern California in 2026? It depends on the city and the loan. With median prices ranging from $700K to $1.4M across popular SoCal markets, a 20% down payment runs $140K to $280K. But you don't need 20% to buy. FHA loans require as little as 3.5% down, VA loans allow 0% down for eligible buyers, and conventional loans go as low as 3% down for qualified first-time buyers.

Whether you're a first-time buyer comparing inland vs beach cities, an investor weighing cash flow markets, or a move-up buyer eyeing the coast, knowing the down payment math is step one. Many of my clients buy with 5% to 10% down — and we structure offers around what makes sense for your goals, not just the textbook 20%.

⚠️ Median prices and down payment estimates shown are based on current market data and are general references only. Your actual purchase price, down payment, and loan options depend on your specific situation.

Don't Have 20% Down? You Have More Options Than You Think 👇
📲 562-600-9793 | raymiramontes_realestate

#SoCalRealEstate #SouthernCaliforniaHomes #LongBeachRealEstate #LakewoodHomes #CerritosRealEstate #SealBeach #HuntingtonBeach #BellflowerHomes #SignalHill #DowneyRealEstate #CarsonCA #ParamountCA #FirstTimeHomeBuyer #DownPayment #FHALoan #VALoan #LongBeachAgent #OrangeCountyHomes #LACountyRealEstate

## Stats

- **Views:** 1,388
- **Likes:** 28
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- **Comments:** 0

## Tags

carsonca, signalhill, socalrealestate, lakewoodhomes, sealbeach, longbeachagent, downpayment, cerritosrealestate, paramountca, orangecountyhomes, valoan, southerncaliforniahomes, lacountyrealestate, downeyrealestate, firsttimehomebuyer, fhaloan, bellflowerhomes, longbeachrealestate, huntingtonbeach

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