Front Door · Live Q&A Recap
$1,000 gets you in the door.
Highlights from our first-ever Front Door Live Q&A workshop — the myths that keep good renters renting, the real numbers on a Walton Station home, and every question our buyers asked, answered.
Watch the workshop
Couldn’t make it live? The full session is above. Below is the short version — everything worth screenshotting, in one place.
Who was on the call
A sales counselor, a lender, and the team that builds our events.
Your hosts were Adam Myrick, a New Home Sales Counselor at Legacy South, and Mackenzie Curtis of Acrisure Mortgage, who handled the financing nuts-and-bolts. Jess and Hannah from our marketing team put the workshop together.
The whole point of the call was to make the home-buying process feel a little less overwhelming — and to prove that with Front Door, the path from renting to owning is shorter than most people think.
The framework
$1,000 down. Zero closing costs. One program.
A $1,000 construction deposit locks you in and rolls into your purchase. Legacy South covers 100% of your closing costs — a real chunk of change — through a builder credit and a lender credit.
Paired with 100% financing, that means zero down payment on the loan. It’s not a price cut and it doesn’t cost you anything beyond that $1,000. You just can’t stack it with another Legacy South offer.
What it takes to buy a house
Five steps, start to finish.
Step one
Talk to a lender
Meet Mackenzie and get pre-approved. You’ll share pay stubs, tax returns, and bank statements — the lender just needs to confirm steady income and consistency.
Step two
Choose your home
Pick the plan and community that fit your life. Your $1,000 deposit locks it in.
Step three
Sign
Paperwork is signed and your file is officially underway.
Step four
The bank verifies
The lender confirms everything you submitted. Most of the wait is here — and it’s not on you.
Step five
Closing day
You get the keys. That’s the exciting part.
The heart of the workshop
Five things people believe that simply aren’t true.
These are the beliefs that keep people on pause. Mackenzie took each one apart.
Myth 01
“I need 20% down.”
You don’t. Front Door is built for 100% financing — zero down on the loan, just $1,000 from you. Options for 3% or 3.5% exist if you want to put money down, but you never need 20%.
Myth 02
“My credit isn’t good enough.”
You won’t know until you look. The program reviews scores all the way down to 600. If you’re not there yet, Mackenzie builds you a plan to get ready in a few months.
Myth 03
“Renting is cheaper.”
Maybe today. But rent climbs about 3% a year. In our example it starts $259/month higher to own — and by year six, rising rent passes a fixed house payment for good.
Myth 04
“I can’t get out of closing costs.”
Closing costs are real — but with Front Door, a builder credit and a lender credit cover them. We still disclose every dollar so you know exactly what you’d have paid on your own.
Myth 05
“I should wait until I’m ready.”
Ready starts with a conversation. Get your numbers, understand your buying power, and pick a home that fits your life. You don’t have to have it all figured out first.
Rent leaves, equity stays
Where the money actually goes.
Rent is money you never see again. A mortgage payment puts a slice toward principal every month — and if the home appreciates around 3% a year, that equity compounds.
Using the Walton Station example: after five years of renting you’ve paid roughly $121,000 with nothing to show. Owning over that same stretch builds around $63,000 in equity. By year ten it’s about $261,000 in rent versus $140,000 in equity — and over 30 years, renting alone runs past $1,000,000.
“Equity isn’t a number on paper you never touch. It’s what you walk away with when you’re ready for the next home.”
Two things have to be true
Do you qualify?
Requirement
Under $95K
Your household income needs to be under $95,000 — which covers most families in the Nashville area.
Requirement
First-time buyer
You’re a first-time buyer, or you haven’t owned a home in the last 36 months. Moved to Nashville and rented for a few years? You likely still qualify.
Missing these doesn’t mean you can’t buy — it just means this particular program isn’t the fit. There are other paths.
A real estimate · Walton Station
| Home price | $279,900 |
|---|---|
| Amount financed | $279,900 |
| Loan type | FHA 30-yr fixed |
| Paid by Legacy South | $15,000 credit |
| Payment (all in) | $2,158.72/mo |
| Brought to closing | $41.40 |
Payment includes principal, interest, taxes, and insurance. HOA is billed separately. Figures are an illustrative estimate, not a commitment to lend.
Where Front Door applies
Four communities, three floor plans.
Madison
Chadwick
Home of the Eason — our vertically-stacked 1-bedroom (954 sq ft) — and its 2-bedroom sibling, the Hudson. Gated, with a dog park, gym, and pool.
Madison
Soren
Our Charlotte plan: two bedrooms, two-and-a-half baths, and a tandem two-car garage. Gated community.
East Nashville
Walton Station
The community behind our example numbers. Full amenity package — gated, dog park, gym, and a pool with grills.
North Nashville
The Marlowe
Single-family homes on the Elmwood plan (the Birch is similar). The HOA handles landscaping, lawn, irrigation, and private streets.
Good to know
HOA under $200
Every community here runs under $200/month — the Chadwick is $168. You can even prepay a year at once (with a tax refund or bonus) to drop your monthly expense.
Straight from the chat
Your questions, answered.
Financing
“I got approved through affordable housing — is this similar?”
Front Door is a true FHA product, so its guidelines are more flexible — a more forgiving debt-to-income ratio and more room around purchase price. If you qualified for a THDA / affordable-housing program, it’s very likely you’ll qualify here, often with a bit more flexibility.
The product
“Why is the Eason such a good first home?”
It was designed to convert renters into buyers. At 954 sq ft it nearly doubles a typical 500 sq ft one-bedroom apartment — and you own it. No $75/month to park your car. Want a true second bedroom in the same footprint and price range? Look at the Hudson.
Peace of mind
“What happens when something breaks?”
Every home comes with a one-year builder’s warranty, plus mechanical warranties on appliances and systems. In year one, you call our in-house warranty team, they diagnose it, and we take care of it — no chasing contractors like you would with a 15-year-old resale.
The details
“What’s with the mini-split HVAC?”
The Eason and Hudson are vertically stacked — think a quad that shares two walls like a townhome, but built on blocks across floors. Mini-splits on each level are simply the most efficient way to run that floor plan.
Amenities
“What do the communities include?”
Chadwick and Walton Station carry the full package: gated entry, dog park, gym, and a pool with grills. Soren is gated. The Marlowe’s single-family homes come with HOA-managed landscaping and private streets. The amenities you love about renting — without giving someone a blank check every month.
The takeaway
Get over the fear. Just have the conversation.
Getting your numbers is free, private, and low-pressure — it’s only about learning your buying power. Call, text, or email any time. We’re here through every step, not just this one.
Ready when you are
Take the next step.
Prefer to do it in person? Stop by the model home gallery — we’ll walk you through the paperwork with zero pressure, just to see what your buying power looks like.
