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If you’re hoping to buy a home in 2023 or soon after, you’ll need to get to work on saving up a down payment if you haven’t already done so.

Most mortgage lenders do require at least a small down payment, and a larger one of 20% of your home’s value is best if you can make it happen in order to avoid added costs and a higher interest rate.

Saving up a ton of money to put down on a house is no easy task, but these four techniques can help you to make it happen ASAP.

1. Bring in some extra income

If you want to save a down payment as quickly as possible, finding a way to bring more money home is the fastest way to do it. That’s because you probably already have a lot of your current income committed to other things — but anything extra you earn can go right in the bank toward your home purchase.