Let’s be real — the “20 % down or bust” myth has scared off far too many would-be homeowners.

In 2025, strategy beats tradition. Smart buyers are leveraging creative financing tools to get into Pasadena and LA homes with less cash upfront — without compromising competitiveness.

The Modern Playbook

• FHA Loans: 3.5 % down — ideal for first-timers building equity fast.
  
  

• Conventional Loans: As low as 5 % down with strong credit and steady income.
  
  

• VA Loans: 0 % down for veterans and active military.
  
  

Winning the Offer Game

Cash still talks, but clarity shouts louder. A verified pre-approval and strong agent reputation often outweigh an extra few percentage points of down payment. Jason regularly secures homes for clients putting 10 % down — because sellers trust his process.

Perspective

Buying in Pasadena isn’t about perfection — it’s about positioning. The smartest buyers don’t wait for ideal conditions; they align their finances, pick their moment, and move decisively.

Q: Will sellers take my offer seriously with less than 20 % down?
A: Absolutely — if it’s packaged right. Work with your agent and lender to show proof of funds, reliability, and a short close timeline.

Q: Does putting less down increase my monthly payment?
A: Slightly, but strategic buyers offset that with lower-interest programs and future refinancing once equity grows.

Explore loan options and discover how to buy smarter — not just bigger. Connect with Jason Bergman on Google Business Profile to get matched with vetted Pasadena lenders and real-time rate strategies.

 Serving Pasadena, South Pasadena, San Marino, Glendale, and Los Angeles County buyers since 2015.