This is a very big and surprising fear of Millennials

Millennial homebuyers are tapping into first-time homebuyer assistance and retirement savings more than any other generation in order to buy a home, according to a new survey.

Although 45% of prospective Millennial homebuyers said the high cost of living is holding them back from buying a home, a new survey by Bankrate found that Millennials are actually the most likely to save their own earnings to make a home down payment, the most of any generation.

Fifty-three percent of Millennials said they are most likely to save their own down payment money, compared to 47% of Gen Xers and 45% of Baby Boomers.

Millennials also were more likely to receive a gift from family or friends and use first-time homebuyer assistance than any other generation, according to the survey.

They were also twice as likely to use retirement savings than other generations to help fund their housing costs, which can hurt in the long-run.

More than half of Millennials felt their income isn’t high enough to buy a home, but Baby Boomers (55%) felt that burden more than any other generation. Other hurdles plaguing Millennials include student loan and credit card debt.