제목 그대롭니다. 직장 생활한지 한 6개월이고 올해말에 지금 아파트 계약이 끝납니다. 지금 집을 살려고 보고 다니고 있는데, 문제는 다운페이입니다. 지금 겨우 클로징 피만 낼 수 있을 돈을 올해 말까지 모을꺼 같은데… 생각이 좀 많이 듭니다. 은행권에서 GFE를 받아보니, 세금 다 포함해서 월 2200불 정도 들것 같습니다. 고수님들의 의견 부탁드립니다.

저도 최근에 100%로 하긴 했는데 6월부터는 100% 모기지 거의 안나온다는 얘길 들었습니다. lending restriction이 강화되었다고 하네요. 렌더와 잘 알아 보세요. 브로커는 무조건 된다고 하는데 나중에 commitment letter 안나오면 골치 아파집니다.

I remember some financial experts said on TV if you consider getting 100% mortgage, you are not ready to buy a house, which means you will have trouble in your cash flow.

I heard similar thing on TV, too.
Expert strongly recommends that you have at least 10% of housing price on your hand when you want to buy a house.
I am not good at gambling..

I don’t know if you decided to buy a house or rent another year.
I got some info about this. Two colleagues bought a house with 5% downpay or less. (I don’t know zero though)
If you want to get the mortgage with less than 20% of downpay, you have to pay for the primary mortgage insurance (PMI). Some bank set the limit as 10%, but the interest rate could be higher. In my friend’s case, PMI would be around $160 per month when he buy 300K house.
One guy bought a house with 5% downpay. He got the loan for the remaining; 80% from the first mortage, 15% from the second mortgage. He got a regular interest rate for the first morgage but got 2% higher interest rate for the second mortgage.
He added the closing fee to the housing price and asked the seller to pay for it.
If your credit score is good and you can afford the mortage, I think you can give a try.
Good luck!