Hi,   I'm Andrew Roberts, a Retail Mortgage   Manager at Wright-Patt Credit Union.   Many homebuyers think they need a 20% down   payment, but that's not always the case.   Depending on your loan program,   you may be able to put as little as 3%   down, or even zero down   in certain situations.   Your down payment depends on your loan   type, your goals,   and your financial picture.   Your loan originator's job is to help you   explore all your options so your   cash works as smartly as possible.   You might have more   flexibility than you think.   Have more questions?   We've got more answers.   Visit our Mortgage   Resource Center at   wpcu.coop/mortgageresources   and when you're ready,   we look forward to working with you.