A online poll by the National Foundation for Credit Counseling found that 49 percent of respondents said they wouldn’t be able to save enough money for a down payment, while 12 percent would have no troubling coming up with a 20 percent down payment.

Twenty percent said they would need a loan that allowed for a much lower down payment, and another 18 percent said they would have to borrow the down payment money regardless of how much is required.

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