Dave Ramsey Home Buying Guidelines -

: Aim for 20% down to avoid Private Mortgage Insurance (PMI) . He notes that 5–10% is "okay" for first-time buyers, but it is not ideal. Critical Perspectives on the Guidelines

Critics and financial analysts often point out that these rules, while safe, can be mathematically difficult to achieve in the 2026 housing market. dave ramsey home buying guidelines

: You should have zero consumer debt (credit cards, car loans, student loans) before buying. : Aim for 20% down to avoid Private Mortgage Insurance (PMI)