Many dream about having a home, but would drop the plan not because they are worried about the affordability but are worried about arranging the down payment part. As soon as the Home Loan request is approved by the bank, the very next step is to arrange cash for the down payment part. For this smart moves should be taken even before you decide to buy a home. Start saving even as little as you can, towards the down payment of you home loan amount. Have some estimates and accordingly procure some funds for this purpose. Segregate your expenses to avoidable, unavoidable and necessary expense. Stay close to your favoidable expenses and avoid as much as you can to the down payment savings piggy bank. Even if it might seem to a very small amount, it will make a lot of difference when you are in need of the same. ...