buy a home

I am desperate to close before December 1 so I qualify for that $8,000 tax credit and also don’t need to sign a new rental lease. Problem is, there is no way I will amass 20% down in time. So I’m just going to bite the bullet and dive in next month with an approximate down payment of 7.5% (mortgages in my area are still available with 3.5% or 5% down for first-time buyers). Wish me luck!