How First-Time Buyers Save on Down Payments With Shared Appreciation

Buying a home shouldn’t feel like climbing Mount Everest in flip-flops. In this episode, I sit down with Sanjay Kuttemperoor, founder of Steadworth, to talk about how his company is helping buyers tackle the biggest hurdle in real estate, the down payment.

We break it down with real numbers, a $500k example, and explain how shared appreciation actually works (without putting you to sleep). This isn’t a government program, it’s a smarter way to buy a home while keeping money in your pocket every month.

If you’ve ever thought, “I’ll never hit 20% down,” this conversation might just change your mind.

Timestamps
00:00 – Intro & why housing affordability is broken
01:00 – The down payment problem: 20% feels impossible
02:10 – How Steadworth chips in so buyers can breathe
04:00 – Breaking down the $500k home example (math that actually makes sense)
06:00 – The “shared appreciation” model explained without boring you to death
08:30 – Monthly savings that actually free up your budget
10:00 – What happens if the market tanks? (Hint: Steadworth shares the risk)
12:30 – Why builders and companies are paying attention
15:00 – Wealth creation, renting vs. owning, and why equity matters
18:00 – Beyond first-time buyers: who else can use this?
20:00 – Recap: why this isn’t just another government program
21:00 – How to connect with Sanjay & get started

📌 Learn more about Steadworth here:
https://www.steadworth.com
📌 Connect with Sanjay on LinkedIn:
  / sanjaykuttemperoor  
📌 Watch more Know Before You Owe episodes:
   / @knowbeforeyouowe  

#RealEstateTips #HomeBuying #DownPaymentHelp #Steadworth #KnowBeforeYouOwe