Many Buyers are worried that rising prices will price them out of the market by the time they are able to save for a down payment. When I get calls from such buyer’s, I remind them that, even today, there are alternatives to the traditional 20% down payment. For those in a hurry, USDA offers Zero Down loans to qualified Buyers. These loans are made on homes built outside of major metropolitan areas, where land and prices are cheaper. There are income and credit restrictions, but any Buyer wanting to lock up a home before prices get out of their reach should check out this option.