thing. if your able to do it and afford it. if it is putting you in a massive amount of debt or you re only getting into with three or 45 percent down payme living the american dream but i don t own my own home. i shouldn t feel like the government or politicians telling me i can t be happy unless i own a house. you mentioned 3 percent verses 5 percent down payment. after the housing bubble popped politicians said never again we are not going toti giveci the 3 percent down payment loans they raised it to 5 percent. used to be 20 percent or 40 percent. now they have lowered it again atw 3 percent. it is back down to p percent. this was one of the things we were promised by every member of the government never again. never again will we ahave the irresponsible loans out there. the fha is guaranteeing loans at 3 percent down payment. here s the presidentei sayin we are going to help the middle class.