Awesome! The best thing that ever happened to you. May not seem it now, but you now have the opportunity to invest in yourself and stop making someone else rich. Figure out what you're really into and go for it! Scary as hell I know , but it will really pay off in the end. I don't have an answer for the housing, but there are many interesting ways to buy property that don't involve down payments. Anyway, best of luck!
Wow, what a great perspective!
Thanks, I really believe that.