--- title: HomeTraq University | misconceptions description: misconceptions | --- [![HomeTraq](https://university.hometraq.io/hs-fs/hubfs/HomeTraqLogoSM-1.png?width=6000&height=1800&name=HomeTraqLogoSM-1.png "HomeTraq")](https://HomeTraq.com) - [For Home Buyers](https://hometraq.com/how-it-works) - [For Lenders](https://explore.hometraqbuyers.com/for-lenders) - [For Agents](https://explore.hometraqbuyers.com/for-agents) - [Live Video Tours](https://explore.hometraqbuyers.com/live-video-tours) - Resources - [Blog](https://university.hometraq.io) - [Guidebooks](https://explore.hometraqbuyers.com/resources) - [Contact Us](https://explore.hometraq.io/lets-talk) [![](https://university.hometraq.io/hubfs/Stock%20images/Close%20up%20of%20a%20pink%20piggy%20bank%20with%20dollars%20beside%20miniature%20house%20model%20on%20white%20background.jpeg)](https://university.hometraq.io/the-truth-about-down-payments-should-i-pay-20) ## [Truth about Down Payments - Should I pay 20%? \[ Real Estate Insider \]](https://university.hometraq.io/the-truth-about-down-payments-should-i-pay-20) Aug 5, 2020 4:43:58 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [Mortgage](https://university.hometraq.io/topic/mortgage), [home purchase](https://university.hometraq.io/topic/home-purchase), [negotiation](https://university.hometraq.io/topic/negotiation), [housing demand](https://university.hometraq.io/topic/housing-demand), [financing](https://university.hometraq.io/topic/financing), [misconceptions](https://university.hometraq.io/topic/misconceptions), [loan](https://university.hometraq.io/topic/loan) [0 Comments](https://university.hometraq.io/the-truth-about-down-payments-should-i-pay-20#comments-listing) Have you ever wondered how much you need to budget for a down payment on a house? Like any other large purchase, lenders usually want a down payment to secure a mortgage. The amount may vary depending on your situation, but most financial advisors recommend paying at least 20% of the value of the home as a down payment. First of all, this reduces the total amount you have to borrow. It also covers Private Mortgage Insurance (PMI) fees that lenders would include if you don't reach the 20% down-payment threshold. [Read More](https://university.hometraq.io/the-truth-about-down-payments-should-i-pay-20) [![](https://university.hometraq.io/hubfs/CARES-ACT.png)](https://university.hometraq.io/cares-act-forbearance-covid-mortgage-relief-details) ## [CARES Act Forbearance (COVID mortgage relief) details](https://university.hometraq.io/cares-act-forbearance-covid-mortgage-relief-details) May 10, 2020 10:20:58 AM / by [Mark Gorman](https://university.hometraq.io/author/mark-gorman) posted in [housing market](https://university.hometraq.io/topic/housing-market), [buying a home](https://university.hometraq.io/topic/buying-a-home), [misconceptions](https://university.hometraq.io/topic/misconceptions), [rent](https://university.hometraq.io/topic/rent), [income](https://university.hometraq.io/topic/income), [asset](https://university.hometraq.io/topic/asset), [myths](https://university.hometraq.io/topic/myths), [loan](https://university.hometraq.io/topic/loan), [rates](https://university.hometraq.io/topic/rates) [0 Comments](https://university.hometraq.io/cares-act-forbearance-covid-mortgage-relief-details#comments-listing)   There’s little doubt that COVID-19 has changed our lives significantly over the last days and weeks. There has been so much information released as a result of these unprecedented times that it’s been hard to keep up. To keep things clear, and to help you sift through all the information you’re getting, we wanted to provide a resource so you can better understand recent legislation enacted to help homeowners impacted by the COVID-19 pandemic. [Read More](https://university.hometraq.io/cares-act-forbearance-covid-mortgage-relief-details) [![](https://university.hometraq.io/hubfs/Stock%20images/New%20Home%20Concept%20-%20Green%20Pushpin%20on%20a%20Map%20Background%20with%20Selective%20Focus..jpeg)](https://university.hometraq.io/5-misconceptions-about-buying-a-home) ## [5 misconceptions about buying a home](https://university.hometraq.io/5-misconceptions-about-buying-a-home) Jun 16, 2019 8:40:00 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [homebuyers](https://university.hometraq.io/topic/homebuyers), [home ownership](https://university.hometraq.io/topic/home-ownership), [homebuying](https://university.hometraq.io/topic/homebuying), [misconceptions](https://university.hometraq.io/topic/misconceptions) [0 Comments](https://university.hometraq.io/5-misconceptions-about-buying-a-home#comments-listing) [Read More](https://university.hometraq.io/5-misconceptions-about-buying-a-home) [All posts](https://university.hometraq.io/all) ### Get Email Updates - 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