Funding comes from solid financial decisions the wife and I have made since college. We bought a double wide trailer as our first home when everyone else was buying stick built at the top of their budget. We were able to save for 30% down on a home that was below our means of living once selling the double wide. Put one paycheck a week, tax returns, and any bonus money in a different bank than the day to day spending accounts. This is also how we work up our budget so we live essentially thinking we make less money. Pay for as much stuff with cash as possible (no credit card debt, no car payment, no loans on toys). I'm sure their is a better way to have your money work for you (investing, etc.) I am just fairly conservative when it comes to finances and this has worked for us.

Also, we have two kids that are expensive as hell and wouldn't trade it for anything.