Hi Lorianne, I lived in California and the mortgage companies and banks were giving mortgages at no money down for goodness sake. If you don’t put anything down you just can’t afford the place to begin with.
When you work, you work a week, two weeks, or more if you are in sales, with no money up front or as you go. In a way, you give your employer zero down.
I don't see why houses shouldn't be financed just as cars, fridges, aircraft or anything else.