Are you missing the opportunity to own a home because you fear the down payment and closing costs?  Many of my clients are surprised that owning a home may be much less costly than what mainstream “financial experts” tell you.  For instance, every state has resources for down payment or closing costs targeted towards affordable home options.  These programs may be the answer to owning vs. renting.  Let’s talk if you would like to learn more about available down payment or closing cost assistance!