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No, you don’t need 20 percent. How Chicago millennials are buying first homes with down payment programs.

Now settled in her career as a teacher, Viridiana Rodriguez needed to fit just one more piece of adult life into place: finding a permanent home for herself and her 8-year-old daughter.

The more she explored her options, the more out of reach homeownership appeared to the 30-year-old lifelong Chicagoan....



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