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Saving for a down payment can be a challenge. But it’s not impossible.

Begin by setting up an automatic savings account. Determine how much you need and start saving today.

Next, cut expenses. Take a look at your finances and see what you can live without. Your daily cup of coffee is a good place to start.

Also, work on paying off high-interest credit cards first.

If you’re still struggling to save, consider asking relatives for a loan. Someone may even be willing to gift you money.

Another option includes borrowing against your retirement plan. This can be tricky, however, as it can hurt the balance of your retirement account.

With a little creative thinking, you’ll be on your way to funding your down payment.

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