It can be very difficult to save 3 percent to 20 percent of the purchase price of a house which is needed as a down payment in order to purchase a property. You might be able to afford the monthly mortgage payment but saving $100,000 could be unattainable. There are programs out there that help some first-time buyers with down payment assistance. There is one targeted at low income buyers in the City of San Diego and there are other programs as well. Realtor.com has a worksheet to help you find some of these programs. Reach out if you have questions and we can find the answers together.