How Much Downpayment Do I Need To: Buy A House

: 10% to 20% down . These are for luxury properties or high-cost areas that exceed conforming loan limits (usually above $832,750 in 2026) . Why Choose 20% vs. a Lower Down Payment? Advantages of 20% Down Pros and Cons of a 20% Down Payment - Experian

: 3% down . Specifically for qualified first-time homebuyers through programs like HomeReady or Home Possible . how much downpayment do i need to buy a house

: 0% down . Available to veterans, active-duty service members, and eligible surviving spouses . : 10% to 20% down