Less than most people think. With FHA financing, you can put as little as 3.5% down — that’s around $12,000 on a $350K home. Rockhaven Homes, also offer closing cost contributions when you use our preferred lender, which can reduce what you need at closing even further. Getting pre-approved is the best first step to know your real numbers.

FHA loans are government-backed mortgages with lower down payment requirements (as little as 3.5%) and flexible credit guidelines — making them one of the most popular options for first-time buyers. The tradeoff is mortgage insurance, which adds to your monthly payment. Your lender can compare FHA vs. conventional options so you can choose what’s best for your situation.

USDA loans offer zero down payment for homes in eligible suburban and rural areas. Many Atlanta-area communities — including parts of Jonesboro, Villa Rica, Dallas, and South Fulton — qualify. Check the USDA eligibility map at usda.gov or ask your lender if a specific community qualifies

New construction can be a smart fit for first-time buyers because major systems like the roof, HVAC, plumbing, electrical, and appliances are brand new. With a Rockhaven Home you will have access to builder warranties, preferred lender incentives, and quick move-in homes that simplify the buying timeline.

Many first-time buyers explore new construction in areas like Jonesboro, Stockbridge, Hampton, McDonough, Locust Grove, Dallas, Snellville, Conyers, Loganville and Lawrenceville, depending on commute, budget, school preferences, and lifestyle.