Millennials seem to have unrealistic expectations when it comes to owning or buying a home, with many underestimating the downpayment, but here’s the catch: it’s a math issue. Millennials are not only unaware of the low-down options but they also expect a 20% down payment to be half of what it should be. Whether it’s because they are unaware of home prices in the area or unable to figure out the math, either way it’s a barrier to homeownership for many.

Speaking of home prices, the latest S&P CoreLogic Case-Shiller Home Price Index was released today, showing a 0.9% rise in March from the previous month and up 5.9% from March 2016. In fact, half of the 20 cities tracked rose at least 6% year over year. Prices rose at the fastest pace in almost 3 years, with price gains fueled by high demand, still low rates, low inventory, and more millennials entering the market. All of these factors are expected to continue.

The VA loan might just be the best program available for eligible homebuyers. Let’s not forget surviving spouses of the fallen could also benefit. Over 11K surviving spouses have used a VA home loan so far this decade.