How to Buy a Home When You Think You Can’t Afford One

Think you’ll be a renter forever? This workshop is for people who look at home prices, interest rates, and their bank account and think, “There’s no way I can afford to buy.”

In this session, you’ll learn how real families are becoming homeowners using programs most people don’t even know exist—things like USDA Direct 502, housing vouchers, community land trusts, grants, and even loan assumptions with 2–3% interest rates. We’ll break down how these tools can reduce your down payment, lower your monthly payment, and turn “someday” into a real plan.

You’ll walk away with:

• A simple understanding of the key affordable homeownership programs
• Clarity on which options might fit your situation
• A short list of realistic next steps you can start on right away

No sales pitch, no shame, no jargon—just straight talk about how to buy a home when you’re convinced you can’t afford one.

Info: Quick intro, what this workshop is (and isn’t), and a simple poll of where everyone is in their homeownership journey.

Info: Reality check on prices, rates, and common myths like “I need 20% down” and “I’ll be a renter forever.”

Info: Plain-language overview of USDA Direct 502, vouchers, subsidized mortgages, community land trusts, and grants/down payment assistance.

Info: How local families have bought with little or no money down and payments close to what they were paying in rent.

Info: How to figure out which programs might fit you, what to work on first (credit, income, paperwork), and realistic timelines.

Info: Open Q&A plus how to book a one-on-one affordable homeownership planning call if you want personalized help.

Also check out other Workshops in Medford.