If you buy into SSR, the incentive is part of the downpayment, right? If so, then 12 percent down becomes 20 percent down, right? And, 22 percent becomes 30 percent. They rarely ask for more than 30 percent. We just bought BWV through Disney, my score was 620 and my husbands was 675, not great, but not terrible, and we were approved with 20 percent down.