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Buying a home is a hurdle race, and the down payment is the first — and possibly most discouraging — obstacle. That’s because, for many, the traditional 20% is simply out of reach. For others, even 5% seems utopian. So, what about a 50% down payment? Or even 80%? Realistically speaking, these are the numbers that potential homebuyers need to contemplate. In order to get an affordable mortgage…