Your goal is to purchase a home and, in doing so, you know you need the largest down payment you can. Most lenders now require some level of a down payment. This could be between three percent, if you are getting an FHA loan, up to 20 percent or more, for a conventional loan. Saving that amount of money can seem challenging, but a few tips can help you to do just that.

#1: Go to a Cash Flow System

Don't use your credit cards. Realize you spend more when you use credit, both in terms of buying more freely and in paying interest. Moving to a cash only system, where you buy what you need to only with cash on hand, can help you to save significantly.

#2:  Make It Automatic

Don't trust yourself to transfer a set dollar amount from each paycheck into…

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