You don't need 20% down
Most first-time buyers put down 3-5%. Down payment assistance programs through OHFA (Ohio) and KHC (Kentucky) can reduce out-of-pocket costs further.
Credit matters more than the score
Beyond the FICO number, lenders look at trade-line history, utilization, and recent activity. Small fixes 30-60 days before applying can move the needle.
Closing costs are real
Plan on 2-3% of purchase price in closing costs, sometimes offset by seller credits. John will give you a worksheet that shows true cash-to-close.