One of the first things you'll hear when you start considering homeownership is that even with a mortgage, you'll need a hefty chunk of change upfront. Most financial planners recommend putting down a 20% down payment. On the current national median home price of $306,700, that comes to $61,340. And that's serious money. But if you don't happen to have that kind of cash on hand, you're not alone. Quicken Loans Vice President of Capital Markets Bill Banfield notes that the mos