If visions of owning a home pervade your every thought, you’re ready to take adulthood one step further by applying for a mortgage. Keep in mind that getting a mortgage can be a challenge, which is why you can use all the tips for getting a mortgage you can get. One handy tip many aspiring homeowners are unaware of is the fact that they may not need a down payment.

You read that right: You may not need a down payment to get a mortgage. While conventional loans require between a 5% and 20% down payment, government mortgage programs allow you to put down less than 5%. If you elect to use an FHA loan, you can score a loan for as little as 3.5% down and a 580-credit score. You’re welcome.