Personal savings remained the most common source of funds for young buyers looking to make a down payment on a home, according to a recent report from the real estate site Redfin. However, millennials were also tapping sources ranging from secondary job earnings to cryptocurrency investments.

Redfin issued a survey in March to 2,000 Americans who planned to buy or sell a home in the next 12 months, looking to highlight the objectives, perspectives, and concerns of these respondents. The report on millennial buyers focuses on more than 500 respondents between the ages of 24 and 38 who said they planned to buy their home within the next year.

Sixty-nine percent of these respondents said they accumulated money by saving directly from their paychecks. Wealthier households were less likely to use this method, with 60 percent of those earning more than $100,000 a year doing so (compared to 75 percent of those earning under $100,000).

More than one-third of respondents—36 percent—were earning money toward a down payment by working a second job. Twenty-four percent received a cash gift from their family.

Other sources of funding for a down payment included selling stock investments or pulling money out of a retirement fund early, each cited by 13 percent of respondents. Twelve percent said they had money from an inheritance, another 12 percent reduced their contributions to retirement savings to put more money toward a down payment, and 10 percent sold investments in cryptocurrency.

Wealthier households were considerably more likely to cite certain options. Twenty percent of those earning more than $100,000 said they sold stock options, twice as many as households earning less. Sixteen percent of high earning respondents said they pulled money out of retirement funds early, contributed less toward retirement, or sold cryptocurrency investments.

"For millennials who have launched their careers while working to pay off student loans in the last decade, having enough to set aside toward a down payment would have been a significant accomplishment," said Sheharyar Bokhari, senior economist at Redfin. "These results reveal some of the inequalities that have been exacerbated in the years following the recession, with the well-off having more flexibility and thereby ability to become homeowners and build more wealth, through advantages like financial support from family and the opportunity to invest in the stock market."

Sixty-five percent of respondents said they plan to take additional action to supplement their income as they look to buy a home. Thirty-two percent said they plan to seek additional employment, with 15 percent saying they'll look into driving for a ridesharing service.

Other respondents were looking to get additional income from their home. Nineteen percent said they would rent out rooms to people they knew, while 14 percent said they would split ownership with friends or roommates. Thirteen percent said they would rent out a room or floor with Airbnb, and 10 percent said they would look for a roommate they don't currently know.

High earners were more than twice as likely as those earning less money to split ownership with friends or roommates. Twenty-two percent said they would seek this option, compared to 10 percent of those earning less than $100,000 a year. Eighteen percent of those earning more than $100,000 said they would get a roommate they don't currently know, while just 5 percent of those earning less said they would consider this option.

Half of all respondents said they were concerned about having enough money for a down payment. This was following by concerns about being able to afford a home in their preferred neighborhood (45 percent) and rising home prices (41 percent). Thirty-four percent said they were worried about increasing mortgage rates or their ability to qualify for a loan.

Less common concerns cited by respondents included a lack of homes available for sale (26 percent), not being able to visit a home in person before it came off the market (25 percent), the possibility of home prices dropping after purchase (19 percent), and needing to waive contingencies in order for their offer to be accepted (9 percent). Just 3 percent said none of the listed concerns worried them.

While 56 percent of those earning less than $100,000 said they were worried about their ability to save enough money for a down payment, just 41 percent of those earning more than $100,000 had the same concern. Fourteen percent of high earners were worried about having to waive contingencies, while just 6 percent of those earning less felt the same.