On Acton's ZIP 93510 June 2026 median sold price of $850,000 (Chicago Title Market Trend Report (June 2026 full-value sales, compiled from MLS and public recorded data), pulled 2026-08-15; 6 sales, a ZIP-level figure rather than a citywide median), a 20% down payment is about $170,000, 10% is about $85,000, and an FHA minimum of 3.5% is about $29,750. These are simple percentages of the median for illustration - your actual down payment depends on the specific home, loan program, and lender, and you'll also need closing costs and reserves. Brian is a REALTOR®, not a lender - confirm real numbers with a loan officer.

Direct AnswerOn Acton's ZIP 93510 June 2026 median sold price of $850,000 (Chicago Title Market Trend Report (June 2026 full-value sales, compiled from MLS and public recorded data), pulled 2026-08-15; 6 sales, a ZIP-level figure rather than a citywide median), a 20% down payment is about $170,000, 10% is about $85,000, and an FHA minimum of 3.5% is about $29,750. These are simple percentages of the median for illustration - your actual down payment depends on the specific home, loan program, and lender, and you'll also need closing costs and reserves. Brian is a REALTOR®, not a lender - confirm real numbers with a loan officer.
Data current as of June 2026 for a specific period or address.

Down payment at the Acton ZIP 93510 median

Down paymentApprox. amount
3.5% (FHA minimum)$29,750
10% (conventional)$85,000
20% (avoids PMI)$170,000

These are arithmetic illustrations on Acton's ZIP 93510 June 2026 median sold price ($850,000, per the Chicago Title Market Trend Report (June 2026 full-value sales, compiled from MLS and public recorded data), pulled 2026-08-15 — 6 sales, not a citywide median), not a quote. Loan programs (FHA, VA, conventional, jumbo) carry different minimums, and higher-priced Acton homes may require jumbo financing with different terms.

Beyond the down payment, budget for closing costs and reserves. Brian works with experienced local lenders and can refer you (disclosed under RESPA) to get real, current numbers.

Frequently Asked Questions

What down payment do I need in Acton?

On Acton's ZIP 93510 June 2026 median sold price of $850,000 (Chicago Title Market Trend Report (June 2026 full-value sales, compiled from MLS and public recorded data), pulled 2026-08-15; 6 sales, a ZIP-level figure rather than a citywide median), a 20% down payment is about $170,000, 10% is about $85,000, and an FHA minimum of 3.5% is about $29,750. These are simple percentages of the median for illustration - your actual down payment depends on the specific home, loan program, and lender, and you'll also need closing costs and reserves. Brian is a REALTOR®, not a lender - confirm real numbers with a loan officer.

Can I buy in Acton with less than 20% down?

Often yes - conventional loans can go as low as 3-5% and FHA to 3.5% for those who qualify, with mortgage insurance. VA loans may allow 0% for eligible borrowers. Confirm with a licensed lender.

Primary sourcesCAR.org, CFPB - Mortgages, Los Angeles County Assessor

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