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If you’ve been thinking about buying a home, you know that a down payment is required to get a mortgage. But you might be less sure about how much down payment for a house you really need. Before you buy a house, it’s important to understand how down payments work and how much you’ll need to pay.

Knowing what percentage to put down on a house for your financial situation depends on several factors, and there’s no one-size-fits-all answer. You must consider how much you can save and how quickly, keeping in mind the overall state of the housing market. It’s also a good idea to crunch the numbers and see how much it would cost overall to put less than 20% down. Depending on your goals, it may be worth putting less down to start financing a home sooner.

Featuring Annie Margarita Yang, Personal Finance Writer
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