I think this is largely dependent on where you live. I hear that in America/Canada you don’t need to put down very much, like 10% or something. But in Israel, there is no such thing as less than 25 to 30% as far as I know, so saving for the down payment is brutal. I don’t know anyone who has been able to buy in Israel without inheritance and/or help from family. We are married 11 1/2 years and just bought a house, which would not have been possible without a lot of help from my dad, in addition to an inheritance from my grandmother and the money my husband had from selling a house in Canada.