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The Independent UK
The Independent UK
Business
J.R. Duren

These three US programs can make the down payment for your home $0

Home prices are near all-time highs. Mortgage rates are more than twice what they were during the pandemic. Buying a home can seem impossible. Income isn’t keeping up with home prices, either.

Home prices relative to income rose to their highest point even in 39 markets across the country in 2024, according to Harvard University’s Joint Center for Housing Studies, up from 19 markets in 2019.

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