Affordability is one of the biggest challenges homebuyers face, partly because high home prices force most buyers to make large down payments. But that’s not the only out-of-pocket cost when you buy a home. Learn More:  Hidden Costs of Homeownership That Can Wreck Your Budget Find Out: The 5 Car Brands Named the Least Reliable of 2025 Unless you’ve also saved enough to cover closing expenses, your down payment might fall short of your total cash requirements. How Much Down Payment Do You Need To Buy a Ho ...