The 7 Biggest Lies Buyers Believe in 2026

Hey, it’s Tālon —

There are a LOT of opinions about buying a house right now.

Your parents have one.

TikTok has another.

Your coworker who bought a house 12 years ago definitely has one. 😂

The problem?

Some of the most common things buyers believe about real estate simply aren’t true anymore.

And believing the wrong one could keep you renting longer, cost you money, or cause you to miss a really good opportunity.

Here are a few of the biggest ones I hear 👇

💰 1. “I Need 20% Down to Buy a House”

This one refuses to die.

Depending on your situation, there are loan programs that may allow:

👉 0% down

👉 3% down

👉 3.5% down

That doesn’t mean putting less money down is always the smartest option—but 20% absolutely isn’t the requirement many buyers think it is.

📉 2. “I Should Wait Until Rates Drop”

Sounds logical.

But there’s another side nobody talks about.

If rates fall enough to bring a bunch of buyers back into the market at once, you could suddenly have:

👉 More competition

👉 Less negotiating power

👉 Multiple-offer situations

👉 Upward pressure on prices

A lower rate doesn't automatically mean you'll get a better deal.

🏠 3. “The Asking Price Is What I Have to Pay”

Not necessarily.

Depending on the property and current market conditions, there may be room to negotiate more than just price.

That could include:

👉 Closing-cost assistance

👉 Repairs

👉 Seller concessions

👉 Rate-buydown assistance

Sometimes the terms of the deal are just as valuable as getting a lower purchase price.

And those are only 3 of the 7 lies I hear buyers repeat all the time.

🧐 Why This Matters

Bad information can be expensive.

I've talked with people who assumed they couldn't buy because they didn't have enough saved…

Others who were waiting for the "perfect" interest rate…

And others who simply didn't realize how much negotiating power they actually had.

Before you decide you're not ready to buy, make sure you're making that decision based on facts—not something you heard five years ago.

▶️ There Are 4 More You Need to Hear

I put together a full video covering the 7 biggest lies buyers believe in 2026—and some of them might completely change the way you look at buying a home.

In the full video, I break down:

👉 The down-payment myth

👉 What waiting for lower rates could actually cost you

👉 Where buyers have negotiating power

👉 The misconceptions I hear from first-time buyers constantly

👉 Plus 4 more that I intentionally didn't give away in this email. 👀

Watch here: The 7 Biggest Lies Buyers Believe in 2026

P.S. One of the most frustrating conversations I have is with someone who says, “Wait… I could've bought a house this whole time?”

Before you spend another year assuming you can't buy—or waiting for something in the market to change—watch the video.

You may find out the biggest thing standing between you and buying a home isn't money, rates, or the market…

It's something you believed that wasn't true.