
When Does It Make Sense To Put Less Than 20% Down On A House
Whether you’re trying to conserve a cash cushion or buying in a fast rising market, there are times when it does make sense to put less than 20% down on a house.
Navigate the biggest purchase of your life with confidence. We break down the complex process of homeownership into manageable steps—from saving for a down payment to understanding mortgages and closing costs. Discover how to evaluate what you can truly afford, recognize value in the market, and avoid costly mistakes. Our guidance helps you turn the dream of homeownership into reality while protecting your financial health.

Whether you’re trying to conserve a cash cushion or buying in a fast rising market, there are times when it does make sense to put less than 20% down on a house.

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Home buyers often focus only on the down payment when it comes to buying a house. But closing costs need to be factored in, too. On a $400,000 house with 10% down, you can expect to need around $70,000 upfront.