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That's far less than the 20% average for conventional home loans.

Your down payment can be a gift from a relative, a friend or an organization that provides financial assistance.

What’s even better is that these lenders will only conduct a soft credit inquiry when you apply to find out what rates they can offer you.

This means your credit score won’t be negatively affected, so you don’t have to worry about damaging it further.

Many conventional mortgages require the down payment to come from a borrower's savings or other assets, such as proceeds from the sale of another home.