问题是现实中购房者必须支付首付，最好是20%，但通常最低是10%(尽管联邦住房管理局和美国退伍军人事务部能够提供其中的5%)。

The problem is that homeowners actually have to come up with a down payment, preferably 20% but usually at least 10% (though FHA and va money is available with 5% down).

youdao

问题是现实中购房者必须支付首付，最好是20%，但通常最低是10%(尽管联邦住房管理局和美国退伍军人事务部能够提供其中的5%)。

The problem is that homeowners actually have to come up with a down payment, preferably 20% but usually at least 10% (though FHA and va money is available with 5% down).

youdao