Agreed, but 22% difference is a lot. Also, my only issue about the article is about the source of money for ZeroDown; it does not mention anything about this 22% difference and the PMI difference that the company can pocket if comparing to people putting 20% down

From the article: ZeroDown earns money from its $10,000 price tag and through a 24/7 concierge service it provides to customers. It’s partnered with Sheltr to connect ZeroDown users to services they might need as homeowners, including a babysitter or a plumber, for example