The Role of Down Payments When Buying a Home in Waunakee

Waunakee’s Market Is Luxury-Leaning—Here’s What That Means for Buyers

As of April 2025, there are 33 homes currently for sale in Waunakee, 18 of which are new construction, with an additional 13 properties marked "Coming Soon." The average list price has climbed to $813,952, reinforcing Waunakee’s position as a luxury-leaning real estate market in Dane County.

Whether you're a first-time home buyer or looking to move up into a larger or newer home, understanding your down payment strategy is a key part of winning in a competitive, high-value market like Waunakee.

🎖 VA Buyers: Should You Put 0% Down or Bring a Down Payment?

One of the biggest benefits of a VA loan is that you can purchase a home with zero down payment. But in a higher-priced market like Waunakee, that doesn’t always mean you should.

✅ Advantages of Bringing a Down Payment on a VA Loan:

• Increased purchase power – More affordable monthly payments could help you qualify for higher-priced homes.

• Stronger offers – Sellers are more likely to accept offers with money down, especially in the $800K+ price range.

• Lower VA funding fees – A larger down payment can significantly reduce (or eliminate) your funding fee.

• Faster equity growth – You’ll own more of your home right out of the gate.

Even a small down payment—like 5–10%—can make a big difference in the outcome of your offer and your long-term affordability.

🚀 Move-Up Buyers: Use Your Current Home to Power Your Next Purchase

For homeowners who are ready to upgrade but unsure how to time the sale and purchase perfectly, Fairway Mortgage’s Trade-In Mortgage™ offers a smarter way to make the move.

🛠 What Is the Trade-In Mortgage™?

It’s a modern loan solution that lets you:

• Use the equity in your current home to buy your next one

• Move into your new home before selling the old one

• Make stronger, non-contingent offers

This is ideal for growing families, those relocating within Dane County, or anyone who wants to upgrade without the hassle of selling first.

"It’s simply a game changer—no doubt. You get to move into your new home first, then sell your current one. Use your equity to make a bigger down payment, lower your monthly payments, and make a stronger offer. Win more, stress less."
— Tony Burns, Fairway Mortgage

In a fast-paced market with only 33 active listings and more homes coming soon, having the freedom to act quickly and confidently is a competitive advantage you don’t want to miss.

🔑 The Bottom Line: Your Down Payment Is a Strategic Tool

In Waunakee’s high-value real estate market, your down payment isn’t just a financial detail—it’s a strategy. Whether you’re using a 0% down VA loan, making a stronger offer with cash down, or taking advantage of the Trade-In Mortgage™, the right approach can make all the difference.

Ready to Make a Move in Waunakee?

Let’s talk about your best path forward—from smart VA loan strategies to unlocking your equity with Fairway’s Trade-In Mortgage™. At Integrity Homes, we’re proud to serve military families, first-time buyers, and move-up homeowners with integrity, experience, and heart.

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🏡 John Reuter, Realtor | USAF (Ret.)
📞 Call/Text: 608-669-4226
📧 john@integrityhomeswi.com

Real Broker, LLC