🏡 How Much Do You Really Need for a Down Payment in Georgetown, TX? (2026 Guide)

If you're thinking about buying a home in Georgetown, TX, you may be wondering:

“How much do I actually need for a down payment?”

Many buyers assume they need 20% down—but that’s one of the most common misconceptions.

According to Christina Maquet of The Maquet Group, there are several loan options that allow buyers to purchase with far less upfront.

👉 Learn more: https://themaquetgroup.com

Do You Need 20% Down?

No—while putting 20% down can help avoid mortgage insurance, it’s not required.

Many buyers in Georgetown purchase homes with:

• 3% down (conventional loans)

• 3.5% down (FHA loans)

• 0% down (VA loans, if eligible)

Why Some Buyers Choose 20%

Some buyers still choose a larger down payment to:

• Avoid PMI (private mortgage insurance)

• Lower their monthly payment

• Reduce total loan costs

But this isn’t always the best option for every situation.

Low Down Payment Options

Conventional Loans

• As low as 3% down

• PMI removable at 20% equity

FHA Loans

• 3.5% down

• Flexible credit requirements

VA Loans (if eligible)

• 0% down

• No monthly mortgage insurance

Don’t Forget Closing Costs

In addition to your down payment, buyers should plan for closing costs, typically:

2%–5% of the purchase price

Christina Maquet helps buyers structure their loan to balance upfront costs and monthly payments.

Property Taxes and Upfront Costs

When buying in Georgetown, consider property taxes in Williamson County, which are often lower than Travis County.

However, buyers still need to account for:

• Prepaid property taxes

• Insurance

• Escrow setup

School Districts and Long-Term Value

Georgetown is served by:

• Georgetown ISD

Homes in strong school zones tend to maintain value—making your down payment part of a long-term investment.

Should You Put Less Down?

In many cases, putting less down allows buyers to:

• Keep more cash on hand

• Invest elsewhere

• Enter the market sooner

According to Christina Maquet, the best down payment is one that aligns with your full financial strategy.

Work With a Georgetown Mortgage Expert

Understanding your options is the first step to getting started.

Christina Maquet of The Maquet Group helps buyers in Georgetown explore loan programs and move forward with confidence.

👉 Start here: https://themaquetgroup.com