LOUISVILLE, KY (WAVE)- Springtime is always a popular time to house hunt and potential buyers often don’t need much when it comes to a down payment.   A recent survey by Lending Tree finds the average money down is just over 12% which means a lot of people are putting down far less.

Thanks to government loans and programs, low or even no-money down mortgages are not just possible, they’re plentiful and many people are surprised to find they qualify.

Of course, VA is out if you’re not a veteran or a veteran’s widow, but two other government funded loan programs are viable options, turning paychecks into the property.

As 23 year old Lacey Lamon shows our WAVE TV camera around her…