Of course, everyone wants to get the best deal possible when searching for a home. First-time homebuyers can find the home-buying process as nerve-racking. Even if you don't have plans to buy a house soon, you have probably thought about saving for a down payment. Unlike retirement savings, where it can take years to access the stashed cash, a down payment is a large sum of money that an investor will need to obtain soon. It involves setting aside some money and investing it in bonds or stocks won't payback. Here are smart ways people can save money while purchasing their dream home.