Two 25-year-olds became homeowners in 2025 with just $8,000—and almost no money at closing.

Watch the Interview on YouTube

Chloe and Eduardo beat the odds and bought their first home in one of the toughest markets ever—with less than most people spend on a used car. This episode breaks down how they did it, featuring both their story and insights from their unicorn realtor and lender. You’ll learn how assertiveness, education, and a trusted team made the impossible not only possible, but surprisingly affordable. Their journey is proof that the right guidance can help you break through fear and take action, even with limited resources.

“Without Max and Kelly, I don’t think we would have even known this was possible.” —Chloe

Highlights:

• Chloe and Eduardo bought at 25 while the national average age is 40
• Only $8,000 in savings to start
• Paid just $120.95 total at closing thanks to seller credits and down payment assistance
• Refunded most of their $3,000 earnest money deposit
• Time from beginning the process to closing: ~3 months
• Realtor Max used his own recent first-time buyer experience to guide them
• Lender Kelly secured down payment assistance that made the deal possible
• Their top tip: be assertive and have a responsive, knowledgeable team
• Emotional takeaway: belief, education, and support can outmatch money

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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.

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