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Should I put 10% down or 20% on 300K home at 4.5% / 4.75% interest rates? Find answers to this and many other questions on Trulia Voices, a community for you to find and share local information. Get answers, and share your insights and experience.

It’s been some time since I’ve done mortgage Q&A, so without further delay, let’s explore the following question: "Do you need 20% down to buy a house?" If you chat with anyone older than 50 (maybe 60), they’ll probably tell you that you need to (or should) put 20% down if you want to buy a house.

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How Much Money Should You Put Down on a House? – Option 1: Pay extra money down to the bank – a.k.a., Make a larger down payment. Here’s my initial thought: Once you put 20% down on a home, you have essentially eliminated the extra costs and.

Should I put 10%, 15%, or 20% down? : personalfinance – Assuming a stable job (which people will always need hair stylists so you seem safe), put down the 20% and dodge PMI. With the reduction in cost from comparable rent, as well as the savings from not having PMI, replenishing your e-fund should be a no-brainer.

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The Best Way To Buy A House - Dave Ramsey Rant The minimum down payment required for a conventional loan is 3%. And the minimum down payment for an FHA loan is 3.5%. Some special loan programs even allow for 0% down payments. But still, a 20% down payment is considered ideal when purchasing a home. You may have heard this referred to as the 20% rule.

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Is It Worth Going Higher Than a 20% Down Payment on a House. – For most people, a 20% down payment should still be their target when purchasing a home. But if down payments lower than 20% result in higher interest rates and greater costs over time, what do down payments greater than 20% result in? Should a buyer aim to put 25%, 30%, or even 40% down? Well, that’s where things begin to get tricky.