You've heard it all before - it's a great time to buy a new home! This is especially true for first time home-buyers! If you're financially solid, there are some great deals to be had right now. But how much does it really cost just to get the ball rolling? Don't be scared off by that 20% down payment! While the days of no-money down are for the most part behind us, you can get your foot in the door for much less than 20%.