It takes more than just saving for a down payment to prepare for a home purchase. Closing costs and moving expenses are a couple of additional factors to consider. It is common for first-time buyers to worry if they’ll have enough set aside to make their dream of purchasing a home a reality. According to a 2021 Zillow survey, 64% of first-time buyers put less than 20% down on a home, and one-quarter of those put down less than 5%. That would be the equivalent of $120,000 and