Might’ve been financed on credit - but even still, it takes a lot more than $12k for a down payment.
Assuming the median price for a home is $500k, you’d need $100k for a traditional 20% down payment. Sure, $12k is 12% of the way there… but it’s nowhere near what is needed for an actual down payment.
Godot is a passable engine. It doesn’t have a massive pile of money behind it, but it’ll generally do most things adequately.
Honestly - and I may be biased as I’m a AAA dev who works with the engine - Unreal is really the way to go. Reasonable pricing on a powerful engine. The main issue is that it’s bloated as hell and there’s a learning curve… but if you’re an indie, it’s just as usable as Unity. Plus if you wanted to get into AAA development someday, Unreal is super popular and used everywhere.