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If you don't mind me asking, how much did you have to put down? I keep hearing that we'll need 20% down.

We had 20% to put down because we sold one house and bought a smaller, less expensive one. You may be able to put less down if you go the FHA route or wait 3 years.

Also, do you know what your credit score is?

Our credit scores ranged from 645-710, our middle scores were 659 and 670.

Good luck!
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