# @raymiramontes_realestate on Instagram

- **Type:** Image
- **Original URL:** https://www.instagram.com/p/DdFVxRmDpOX
- **Gondola URL:** https://gondola.cc/posts/70153298-raymiramontes-realestate-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/e2f4106d46.jpg
- **Posted:** 2026-09-09T22:31:53.000+00:00
- **Account Owner:** Ray Miramontes | CA Realtor (@raymiramontes_realestate) — https://gondola.cc/raymiramontes_realestate

## Caption

🏡 How much money do you actually need to buy a home in 2026?

A lot of first-time home buyers assume they need 20% down — and that misconception can keep people renting much longer than necessary.

Depending on the loan program and your qualifications, low down payment options may be available. For example, with 3.5% down + estimated closing costs, the upfront cash needed could be much less than you expected.

💰 SAVE this breakdown so you have a realistic home-buying goal.
📲 SHARE it with someone who keeps saying, “I don’t have enough saved to buy yet.”

Thinking about buying a home in Long Beach, Los Angeles, Orange County, Riverside, San Bernardino or anywhere in Southern California?

🚨 CALL OR TEXT RAY DIRECTLY AT 562-600-9793 and we can help you figure out what price range you may qualify for, estimated cash needed, and what first-time home buyer programs could be available to you.

👇 COMMENT “BUY” if homeownership is one of your goals for 2026.

Ray Miramontes | The Mira Group
Circle Real Estate | DRE #01931740

Example only. 3.5% down payment shown. Closing costs are estimated and vary. Financing is subject to buyer qualification, loan limits and lender approval.

#FirstTimeHomeBuyer #HomeBuyerTips #BuyingAHome #CaliforniaRealEstate #SouthernCaliforniaRealEstate #LongBeachRealEstate #LosAngelesRealEstate #OrangeCountyRealEstate #HomeBuyingTips #FHALoan #DownPayment #RealEstateTips #Homeownership #BuyAHome #FirstTimeBuyer

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## Tags

southerncaliforniarealestate, buyingahome, orangecountyrealestate, firsttimebuyer, homebuyertips, downpayment, buyahome, homebuyingtips, 01931740, realestatetips, homeownership, firsttimehomebuyer, californiarealestate, losangelesrealestate, fhaloan, longbeachrealestate

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