Stacking down payment assistance and credits

What if the thing keeping you out of the housing market is not the market at all but the advice you have been given? 

👉 Join Andrew's ⁠FREE Masterclass The Portfolio Pyramid.⁠

What You'll Learn in This Episode

• Why the 20% down payment rule is outdated and what first-time buyers are actually putting down today
• The zero down loan options that still exist in 2026 and who actually qualifies for them
• Why PMI is not the devil and the real math behind what it actually costs per month
• How to stack down payment assistance programs, seller credits, and rate buydowns to dramatically cut your upfront costs
• The six-column formula that shows why waiting for the market to crash is costing most buyers more than they realize
• How seller concessions work and exactly when to ask for them during the negotiation process
• The one housing market stat that matters more than interest rates or home prices

Start Here 

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Tool/s Mentioned

• Total Cost of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/ 

Episode/s Mentioned

• PMI Is Not the Devil
• He Built A BILLION DOLLAR Real Estate Portfolio (Here's How!) with Brandon Turner
  
• 
  How to Make Money In ANY Real Estate Market
• Why Live-In-Flips May Be the Best Way to Invest in Real Estate with Carl and Mindy Jensen

Watch Next

• Focus on THIS in Retirement (Everything Else is Noise) https://youtu.be/afrCCLz4aJ4 
• How to Build Your Investment Portfolio (The Portfolio Pyramid!) https://youtu.be/Vn-NXfFWtfU 
• How to Invest Your First $10K https://youtu.be/GCW1lfujZ2I 
• The Financial Priorities That Matter Most (By Life Stage) https://youtu.be/h2WFjoekghE 
• AI Is Coming for Your Job. Here's How to Prepare Financially https://youtu.be/fC86BKAUBxc 

Connect with David Sidoni 

• Instagram - https://www.instagram.com/howtobuyahomepodcast 
• Website - https://howtobuyahome.com/ 
• TikTok - https://www.tiktok.com/@howtobuyahome 
• X - https://twitter.com/davidsidoni 
• LinkedIn - https://www.linkedin.com/in/davidsidoni 
• YouTube - https://www.youtube.com/@HowToBuyAHome 
• Apple Podcast - https://podcasts.apple.com/us/podcast/how-to-buy-a-home/id1455257747 
• Spotify - https://open.spotify.com/show/0vhUO6Sg4XSC1TAZC6Xy7k 

Connect with Andrew

• Instagram → https://instagram.com/mastermoneyco
• Website → https://mastermoney.co
• TikTok → https://tiktok.com/@mastermoneyco
• X → https://x.com/mastermoneyco
• LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340
• YouTube → https://www.youtube.com/@mastermoneyco/

Question for you:

Are you currently waiting to buy a home or actively trying to get in? Where are you on the home buying journey right now? Just starting, actively saving, under contract, or still on the fence? Drop your stage in the comments and tell us what your next move is. 

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