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Many buyers—and even some agents—overlook one of the most powerful tools available to first-time homebuyers: Down Payment Assistance (DPA).

While affordability challenges persist and mortgage rates remain unpredictable, Zillow predicts increased inventory, modest home value growth, and more opportunities for buyers in specific markets.

A recent survey of National Association of Realtors (NAR) members reveals surprising trends about what drives homebuyers’ decisions.