💥Bozeman First-Time Home Buyer Guide: Entry-Level Options and Down Payment Strategies We discuss entry-level home buying options for first-time buyers moving to town, covering down payment requirements and loan programs. We explain why putting down 20% isn’t necessary and highlight alternatives like rural development loans with 0% down, FHA loans at 3.5%, and conventional first-time buyer programs at 3-5%, noting that last year’s average down payment for first-time buyers was 7%. Discover what