One of the biggest misconceptions keeping buyers on the sidelines — especially here in Hawaii — is the belief that you need 20% down to buy a home.
That’s simply not true.
According to the National Association of Realtors:
- First-time buyers typically put down just 6–9%
- The national average hasn’t even hit 10% in decades
- FHA and VA loans allow qualified buyers to purchase with as little as 3.5% or even 0% down
🧠 So how are people buying homes?
- 69% use personal savings
- 25% get help from family
- 21% tap other assets like 401(k)s or stock accounts
In short: if you’re financially responsible and ready to buy, there are many ways to get into a home without the mythical 20% down.
💰 Buy with OahuRE and Get 20% of Our Commission Back
At OahuRE.com, when you buy a home through us, we give you 20% of our commission as a rebate at closing — in cash or as a closing credit. That’s money you can use for your down payment, closing costs, or just to boost your savings.
We also provide:
- Direct access to every property in the MLS
- Transparent data — no fluff, no sales pitch
- Expert guidance from start to finish
👉 Click here to learn more about our Buyer Program
Don’t let outdated myths stop you from becoming a homeowner. And don’t overpay — let us help you get into your home and give you a rebate at the same time.