Byke Dood is on the right track...However, there are options where you can get into a house with 5% down and even as little as 3.5% down. Where there's a will, there's a way and the tax credit makes the deal even sweeter! Think about it...You buy a house for $80k, put down $2,800, file for your $8,000 tax credit, pay yourself back $2,800 and use the other $5,200 to buy a sweet bike, some beer and still have some scratch leftover to pimp out your new domicile!!! If you have questions, I recommend that you give me a call. I'm not able to check the Forum every day. I work at American Bank in the Quad Cities. You can reach me at my office 309-732-5001 or cell 563-940-9712. Ryan