For a first-time homebuyer, a mortgage down payment can seem like the most difficult part of purchasing a home. Many first-time homebuyers have fewer savings to put toward a down payment or have debt from student loans or credit cards. I am here to help you through every step of purchasing your first home. I hope to make saving for and understanding down payments easier for you. Let’s start with the basics: What is a down payment? If you are unable to pay for a house in cash,