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Loans For Land Purchase 0% Down Home Loan Pay Into My TFSA or Pay Down A 0% Mortgage : DaveRamsey – Bought a house and paid $220,000 for it with a downpayment of $10,000. This was my grandparents home so I have a 0% mortgage. (I pay only principal) The mortgage is $700 a month. My income is 40k a year my girlfriend brings in 32k a year No Debt between the two of us other than the house. She pays half the bills.401K Towards Home Purchase