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Putting money down to buy a home can take more strategy than many house hunters might expect, especially if you’re not savvy with savings. Including your down payment, average closing costs typically range from $2,500 – $5,000.

If you don’t have all of your ducks in a row for financing your down payment, don’t get discouraged. Instead, hustle your way to homeownership with these unique part-time jobs.

At Home

Freelance Your Skills

Offer your creative or analytical services as a virtual assistant. Create a profile on Fiverr and get paid for freelance writing, designing or bookkeeping.

Watch Videos

With Swagbucks, you’re rewarded with gift cards from over 200 brands just for watching videos. Join for free and start saving bucks by watching TV!

Average an extra $10 a month just by unlocking your phone with Slidejoy. Downloading the app will place ads on your lock screen. Get paid the same amount whether you swipe left to engage with the content or right to get to your home screen.

User Testing

Get paid as a guinea pig. Test companies’ websites and apps and give your feedback through platforms like Testbirds or UserTesting. With UserTesting, you can earn $10 for every 20-minute video you finish. Voice your feedback as you watch each video – it’s recorded for valuable user experience data. Testbirds typically pays testers around $20 per task, with higher earnings for more complex tests.

Pet Sitting

According to Pet Sitters International, the national average fee for an overnight sit is $62.18 for an average stay of 15 hours. Dog walkers charge on average $18.23 per half hour.

If trying to get furry friends to “heel” sounds like too much of a hassle, you could actually earn more as a doggy chauffeur, with the average national charge for a half hour of pet transportation at $22.38. Connect with pet owners on Rover to advertise your pet sitting or dog walking services.

At Night

Drive for Uber

Sign up online and get approved through the necessary screening. You can set your own schedule, but keep in mind that the base fare increases during peak hours as well as the farther and longer you drive.

Deliver Food

Make hangry people happy and become a dasher with DoorDash, a food delivery service for local restaurants. You could also become a food delivery partner with Uber Eats. “Get the food you want, from the restaurants you love, delivered at Uber speed,” says Uber Eats’ website.

All-night study sessions can give college students the major munchies. Apply online for work as a delivery driver on college campuses with Crunchbutton.

On the Weekends

Usher Concerts and Sports Events

Earn cash with your Saturday night plans! You can make money while attending concerts and sports events for free as a stadium or theater usher.

If you can stand crowds as well as working on your toes, this might be the perfect side job for you. Contact your local theater or stadium and inquire about usher opportunities.

Sell Smartphone Photos

Download Foap, a free app to turn your Instagram art into cash. Brands like Hyatt and Mastercard will buy your photos on the Foap market for a flat rate of $10, so you earn $5 for every photo sold.

Smartphone pictures can be uploaded from several different photo apps, including Instagram and Flickr, and can be sold an unlimited amount of times. So go out and find something cool to capture on camera for cash.

Officiate Weddings

Are all your friends getting married, too? Instead of crying for companionship on Facebook, join the wedding train and make money from others’ matrimony. Check your local marriage license laws to see if you can become a wedding officiant in your community. According to TheKnot.com, professional wedding officiants earn an average of $500 – $800 per ceremony.

Passive Income Options

Rent out Your Spare Bedroom, Car or Underused Parking Spot

Don’t let your extra space go to waste. Become an Airbnb host to earn income on your spare room or vacation home. Parking is a hot commodity, especially in urban hubs. List your parking space for free on a smartphone app like JustPark.

Another way to use your extra space to get a passive income is to rent your garage with Neighbor. Unlike Airbnb you don’t need to host a person, just their belongings.

Invest with Stash or Acorns App

Stash and Acorns are two smartphone apps that create investment portfolios with small change. Take charge of your investments starting with as little as $5 with Stash, or just leave the decision-making to Acorns experts. Penny Hoarder is teaming up with Stash to match your first investment, plus the first three months are free!

Crowd Source Your Savings

Fund part of your down payment with BoostUp, a fundraising program that allows users to get support from friends and family members. Learn how to use gift money to help fund your down payment or other mortgage-related costs.

Making that down payment may come sooner than you think with new low down payment loan options for first-time homebuyers. For example, qualifying clients could pay as little as 3% down to purchase a new home.

Have you saved enough already for your down payment? Start the mortgage process and get preapproved online today!

This Post Has 5 Comments

  1. My husband and I are fortunate enough that funding for a 3 -5% down payment isn’t a problem, but we’re in our 50’s and downsizing at his current employer has put us back 20 years in our household income. We’ve had to sell off stocks intended for retirement (right at the worst time to sell), but it’s enough to allow us to land on our feet. Once the dust settles we’re determined to replenish our cushion. This post has some useful suggestions for us as well.

  2. How many gift letters can be a boorower get for a FHA loan? I am a first-time homebuyer and Educator in the same neighborhood for 20 years that I am purchasing a home in.

    Are there any programs for educators? Cancer survivors?

    1. There’s no limit to the number of gift letters you can get, Diascara. We don’t offer any specific home buying grants, but we take them if you get them from other sources. We don’t endorse anything specific, but if you Google, I’m sure you can find grants in your area for both of those things. When you’re ready to line up your financing, we can help you whether you want to get started online with Rocket Mortgage or by giving one of our Home Loan Experts a call at (888) 980-6716. Hope this helps!

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