{"id":35337,"date":"2026-04-08T17:40:34","date_gmt":"2026-04-08T17:40:34","guid":{"rendered":"https:\/\/indafunds.com\/?p=35337"},"modified":"2026-04-08T17:40:35","modified_gmt":"2026-04-08T17:40:35","slug":"how-much-is-a-down-payment-on-a-house","status":"publish","type":"post","link":"https:\/\/indafunds.com\/?p=35337","title":{"rendered":"How Much Is A Down Payment On A House?"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            Images by Getty Images; Illustration by Issiah Davis\/Bankrate\n        <\/p>\n<\/p><\/div>\n<div>\n<div id=\"block_5cf860ff55b82c6e3c87b84370729a64\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Contrary to popular belief, you don\u2019t actually have to put down 20% of a home\u2019s price to get a mortgage.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Some mortgages don\u2019t require any down payment at all, and you can get a conventional mortgage with as little as 3% down.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            However, a larger down payment can help you secure a lower interest rate, and putting down less than 20% will likely mean paying for mortgage insurance.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>Most mortgage loans require a down payment, a percentage of the home\u2019s value that you pay upfront. How much you should put toward a down payment depends on the home\u2019s price, the type of loan you\u2019re applying for and your financial situation.<\/p>\n<h2 id=\"how-much\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How much is a down payment on a house?\" data-outcome=\"\">How much is a down payment on a house?<\/h2>\n<p>You might have heard you\u2019re required to put down 20% on a home, but in truth, you don\u2019t have to pay that much upfront. Your down payment size will depend on the minimum amount required for the loan type you\u2019re getting, as well as how much you have saved for the purchase.<\/p>\n<p>For example, 3% is the minimum requirement for a conventional loan (if you qualify). A 3% down payment on a $400,000 home would come to $12,000, while a 20% down payment on the same home would be a much more significant $80,000.<\/p>\n<p>The median down payment for all homebuyers in 2025 was 19%, according to the National Association of Realtors.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Bankrate insight\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>81% of aspiring homeowners \u2014 U.S. adults who have owned a home in the past or never owned a home but want to \u2014 say the down payment and closing costs pose a \u201cvery significant\u201d or \u201csomewhat significant\u201d obstacle, according to Bankrate\u2019s Home Affordability Report.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"minimum-requirements\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Minimum down payment requirements by loan type\" data-outcome=\"\">Minimum down payment requirements by loan type<\/h2>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wrapped\">\n<tbody>\n<tr>\n<td><strong>Loan type<\/strong><\/td>\n<td><strong>Minimum down payment<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Conventional conforming loan<\/td>\n<td>3%<\/td>\n<\/tr>\n<tr>\n<td>Jumbo loan<\/td>\n<td>10%<\/td>\n<\/tr>\n<tr>\n<td>FHA loan<\/td>\n<td>3.5%<\/td>\n<\/tr>\n<tr>\n<td>VA loan<\/td>\n<td>None<\/td>\n<\/tr>\n<tr>\n<td>USDA loan<\/td>\n<td>None<\/td>\n<\/tr>\n<tr>\n<td>Second home or investment property loan<\/td>\n<td>10%-25%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>Conventional loan: 3% minimum<\/h3>\n<p>The down payment requirements for a conventional loan on a primary residence vary depending on the lender, the borrower and the property type. For example, first-time homebuyers and buyers with low-to-moderate incomes could qualify for a fixed-rate conventional loan with a 3% down payment.<\/p>\n<p>However, not everyone qualifies for the lowest possible down payment amount. The amount you must put down will depend on your:<\/p>\n<p>Whatever the minimum required down payment on your conventional loan, keep in mind that if you put down less than 20%, you\u2019ll have to pay for private mortgage insurance (PMI), which increases your monthly payments.<\/p>\n<h3>Jumbo loan: 10% minimum<\/h3>\n<p><u>Jumbo loans<\/u> are a specific type of conventional mortgage for higher-priced properties. In 2026, homes that cost more than $832,750, require a jumbo loan in most markets, though in high-cost areas, the limit may be as high as $1,249,125. Because of their size, jumbo loans typically require 10% down or more.<\/p>\n<h3>FHA loan: 3.5% minimum<\/h3>\n<p>If your credit score is at least 580, FHA loans require a minimum down payment of 3.5%. If you have a credit score between 500 and 579, you could still qualify, but you\u2019ll need to put down 10%.<\/p>\n<p>No matter how large your down payment on an FHA loan, though, you\u2019ll be required to pay a mortgage insurance premium (MIP). There are two types of MIP: an upfront one paid at closing that\u2019s 1.75% of the loan amount, and an annual one that\u2019s added to your monthly mortgage payment. The annual MIP is based on the size of your down payment, your loan amount and your loan term, but it ranges from 0.15% to 0.75% of your total loan amount.<\/p>\n<h3>VA loan or USDA loan: No down payment required<\/h3>\n<p>Both of these agencies back zero-down payment loans for qualified homebuyers. VA loans are available to qualifying members of the armed forces, veterans and their surviving spouses; while USDA loans are available to qualified borrowers purchasing homes in designated rural areas.<\/p>\n<p>Neither loan program requires mortgage insurance. However, with VA loans, you\u2019ll pay a one-time funding fee, which ranges from 1.25% to 3.3%. USDA loans have an upfront guarantee fee of 1% of the loan amount and an annual fee of 0.35% of the average annual loan balance.<\/p>\n<h3>Second homes and investment properties: 10% to 25% minimum<\/h3>\n<p>If you\u2019re <u>buying a second home<\/u> or an <u>investment property<\/u> with a conventional loan, the down payment requirement is usually higher than for a primary residence. Second homes typically start at 10%, and investment properties can require as much as 15% to 25%, depending on your creditworthiness and financial situation.<\/p>\n<h2 id=\"how-to-calculate\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to calculate your down payment\" data-outcome=\"\">How to calculate your down payment<\/h2>\n<p>Here are some examples of how much the down payment on a house would be at different price points:<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table ck-table-resized has-fixed-layout wrapped\">\n<tbody>\n<tr>\n<td><strong>Home price<\/strong><\/td>\n<td><strong>3% down<\/strong><\/td>\n<td><strong>10% down<\/strong><\/td>\n<td><strong>15% down<\/strong><\/td>\n<td><strong>20% down<\/strong><\/td>\n<\/tr>\n<tr>\n<td>$300,000<\/td>\n<td>$9,000<\/td>\n<td>$30,000<\/td>\n<td>$45,000<\/td>\n<td>$60,000<\/td>\n<\/tr>\n<tr>\n<td>$400,000<\/td>\n<td>$12,000<\/td>\n<td>$40,000<\/td>\n<td>$60,000<\/td>\n<td>$80,000<\/td>\n<\/tr>\n<tr>\n<td>$500,000<\/td>\n<td>$15,000<\/td>\n<td>$50,000<\/td>\n<td>$75,000<\/td>\n<td>$100,000<\/td>\n<\/tr>\n<tr>\n<td>$600,000<\/td>\n<td>$18,000<\/td>\n<td>$60,000<\/td>\n<td>$90,000<\/td>\n<td>$120,000<\/td>\n<\/tr>\n<tr>\n<td>$700,000<\/td>\n<td>$21,000<\/td>\n<td>$70,000<\/td>\n<td>$105,000<\/td>\n<td>$140,000<\/td>\n<\/tr>\n<tr>\n<td>$800,000<\/td>\n<td>$24,000<\/td>\n<td>$80,000<\/td>\n<td>$120,000<\/td>\n<td>$160,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Use Bankrate\u2019s mortgage down payment calculator to get a sense of how different down payment amounts impact your monthly mortgage payment, and the interest you can save by putting more money down.<\/p>\n<h2 id=\"how-much-to-put-down\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How much should you put down on a house?\" data-outcome=\"\">How much should you put down on a house?<\/h2>\n<p>There\u2019s no one right answer: The right amount to put down will depend on many factors, including your financial goals, your income, your other debts and the house itself.<\/p>\n<h3>Benefits of making a larger down payment<\/h3>\n<p>If you\u2019re able to put a sizable amount down upfront, you\u2019ll see some clear benefits:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>More competitive offers:<\/strong> In a competitive housing market, a larger down payment can make your offer more appealing to sellers. Being able to put up more cash can inspire more confidence that your deal will close.<\/li>\n<li>\n<strong>Lower mortgage rates:<\/strong> Larger down payments often correlate with lower mortgage interest rates, because smaller loans pose less risk for the lender.\u00a0<\/li>\n<li>\n<strong>Lower monthly payments:<\/strong> Borrowing less money also means a lower monthly mortgage payment, with less interest owed.<\/li>\n<li>\n<strong>Cheaper closing costs:<\/strong> The fees you pay to your lender at closing are usually calculated as a percentage of your loan\u2019s total value, so if you borrow less, your closing costs will be lower, too.<\/li>\n<li>\n<strong>More equity:<\/strong> The greater the percentage of your home you own outright, the more equity you have right off the bat.<\/li>\n<\/ul>\n<h3>Benefits of making a smaller down payment<\/h3>\n<p>There are also some good reasons to put less money down:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>It gets you in the door: <\/strong>If a down payment is your main obstacle to homeownership, making a lower one could be a smart way to get started.<\/li>\n<li>\n<strong>More money for repairs or renovations: <\/strong>If you\u2019re buying a home that needs work, you may choose to make a lower down payment so you have more cash on-hand to cover the costs.<\/li>\n<li>\n<strong>Not draining your savings: <\/strong>By putting less down, you\u2019re keeping money available to potentially use elsewhere.<\/li>\n<li>\n<strong>Investing: <\/strong>While homes are generally seen as secure investments, some investors may prefer to put their money into the stock market, where they could see a higher return.<\/li>\n<\/ul>\n<h2 id=\"faq\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-accordion-item-0', 'heading-accordion-item-0']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-0')\" :aria-controls=\"$id('panel-accordion-item-0')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How can I find down payment assistance?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-0')\" :aria-labelledby=\"$id('heading-accordion-item-0')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\nDown payment assistance programs are typically geared toward first-time homebuyers. Assistance might take the form of a forgivable or deferred loan, a grant or a matched savings program. To find programs in your area that you might qualify for, check online with your state\u2019s Housing Finance Agency (HFA) or your local municipality. Your lender or real estate agent might also be able to point you in the right direction, and you might also try Down Payment Resource, which offers an online eligibility and assistance look-up tool.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-1', 'heading-accordion-item-1']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-1')\" :aria-controls=\"$id('panel-accordion-item-1')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can you buy a house without a down payment?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-1')\" :aria-labelledby=\"$id('heading-accordion-item-1')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Yes. Mortgages backed by the VA and USDA are available without a down payment for qualified borrowers, and some commercial lenders or local credit unions may also offer no-down-payment mortgages. Keep in mind, though, that not putting any money down upfront means borrowing more, which also means paying more in interest over time.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-2', 'heading-accordion-item-2']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-2')\" :aria-controls=\"$id('panel-accordion-item-2')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What other costs should I anticipate when buying a house?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-2')\" :aria-labelledby=\"$id('heading-accordion-item-2')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            In addition to the down payment, you\u2019ll need to pay closing costs, which usually total between 2% and 5% of your loan amount. You\u2019ll also need to budget for property taxes, homeowners insurance and private mortgage insurance (if putting down less than 20%). Your lender might also require you to prove that you have a reasonable amount of cash reserves \u2014 enough money leftover to cover a few months\u2019 worth of mortgage payments and upkeep, if needed.\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"FCXXYjRRqR\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--no border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-no=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-no\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"No\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Down Icon<\/title><path d=\"M19.26 2.175c.936 0 1.454 0 1.949.247.452.226.818.592 1.044 1.043.247.495.248 1.012.248 1.948v7.678c0 .936 0 1.453-.248 1.948a2.333 2.333 0 0 1-1.044 1.042c-.495.248-1.013.248-1.95.248h-.16c-.937 0-1.454 0-1.95-.248a2.33 2.33 0 0 1-.885-.777c-.637.596-1.79 2.176-3.314 5.155-.183.365-.312.602-.538.828a1.924 1.924 0 0 1-.722.441c-.258.086-.484.097-.742.097l.022-.011a5.39 5.39 0 0 1-.905-.064 2.741 2.741 0 0 1-1.852-1.345c-.71-1.216-.721-3.066-.022-5.496h-.516c-2.283 0-3.424 0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/mortgages\/how-much-is-a-down-payment-on-a-house\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Images by Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways Contrary to popular belief, you don\u2019t actually have to put down 20% of a home\u2019s price to get a mortgage. Some mortgages don\u2019t require any down payment at all, and you can get a conventional mortgage with as little as 3% down. However, a larger [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":35338,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[25],"tags":[],"class_list":{"0":"post-35337","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mortgage"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Is A Down Payment On A House? | Inda Funds<\/title>\n<meta name=\"description\" content=\"Images by Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways Contrary to popular belief, you don\u2019t actually have to put down 20% of a\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/indafunds.com\/?p=35337\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much Is A Down Payment On A House? | Inda Funds\" \/>\n<meta property=\"og:description\" content=\"Images by Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways Contrary to popular belief, you don\u2019t actually have to put down 20% of a\" \/>\n<meta property=\"og:url\" content=\"https:\/\/indafunds.com\/?p=35337\" \/>\n<meta property=\"og:site_name\" content=\"Inda Funds\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-08T17:40:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-08T17:40:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/1775670035_Banking-_-How-much-is-a-down-payment-on-a-house.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"News Room\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"News Room\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/indafunds.com\/?p=35337#article\",\"isPartOf\":{\"@id\":\"https:\/\/indafunds.com\/?p=35337\"},\"author\":{\"name\":\"News Room\",\"@id\":\"https:\/\/indafunds.com\/#\/schema\/person\/3673c474b613403f243d23bd0d5f0428\"},\"headline\":\"How Much Is A Down Payment On A House?\",\"datePublished\":\"2026-04-08T17:40:34+00:00\",\"dateModified\":\"2026-04-08T17:40:35+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/indafunds.com\/?p=35337\"},\"wordCount\":1456,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/indafunds.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/indafunds.com\/?p=35337#primaryimage\"},\"thumbnailUrl\":\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/1775670035_Banking-_-How-much-is-a-down-payment-on-a-house.jpg\",\"articleSection\":[\"Mortgage\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/indafunds.com\/?p=35337#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/indafunds.com\/?p=35337\",\"url\":\"https:\/\/indafunds.com\/?p=35337\",\"name\":\"How Much Is A Down Payment On A House? | Inda Funds\",\"isPartOf\":{\"@id\":\"https:\/\/indafunds.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/indafunds.com\/?p=35337#primaryimage\"},\"image\":{\"@id\":\"https:\/\/indafunds.com\/?p=35337#primaryimage\"},\"thumbnailUrl\":\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/1775670035_Banking-_-How-much-is-a-down-payment-on-a-house.jpg\",\"datePublished\":\"2026-04-08T17:40:34+00:00\",\"dateModified\":\"2026-04-08T17:40:35+00:00\",\"description\":\"Images by Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways Contrary to popular belief, you don\u2019t actually have to put down 20% of a\",\"breadcrumb\":{\"@id\":\"https:\/\/indafunds.com\/?p=35337#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/indafunds.com\/?p=35337\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/indafunds.com\/?p=35337#primaryimage\",\"url\":\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/1775670035_Banking-_-How-much-is-a-down-payment-on-a-house.jpg\",\"contentUrl\":\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/1775670035_Banking-_-How-much-is-a-down-payment-on-a-house.jpg\",\"width\":1280,\"height\":720},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/indafunds.com\/?p=35337#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/indafunds.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Much Is A Down Payment On A House?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/indafunds.com\/#website\",\"url\":\"https:\/\/indafunds.com\/\",\"name\":\"Inda Funds\",\"description\":\"Latest Personal Finance News and Updates\",\"publisher\":{\"@id\":\"https:\/\/indafunds.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/indafunds.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/indafunds.com\/#organization\",\"name\":\"Inda Funds\",\"url\":\"https:\/\/indafunds.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/indafunds.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/indafunds.com\/wp-content\/uploads\/2022\/06\/cropped-s-logo.jpg\",\"contentUrl\":\"https:\/\/indafunds.com\/wp-content\/uploads\/2022\/06\/cropped-s-logo.jpg\",\"width\":512,\"height\":512,\"caption\":\"Inda Funds\"},\"image\":{\"@id\":\"https:\/\/indafunds.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/indafunds.com\/#\/schema\/person\/3673c474b613403f243d23bd0d5f0428\",\"name\":\"News Room\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/indafunds.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/indafunds.com\/wp-content\/uploads\/2024\/03\/avatar_user_1_1710377284-96x96.jpg\",\"contentUrl\":\"https:\/\/indafunds.com\/wp-content\/uploads\/2024\/03\/avatar_user_1_1710377284-96x96.jpg\",\"caption\":\"News Room\"},\"sameAs\":[\"https:\/\/indafunds.com\"],\"url\":\"https:\/\/indafunds.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How Much Is A Down Payment On A House? | Inda Funds","description":"Images by Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways Contrary to popular belief, you don\u2019t actually have to put down 20% of a","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/indafunds.com\/?p=35337","og_locale":"en_US","og_type":"article","og_title":"How Much Is A Down Payment On A House? | Inda Funds","og_description":"Images by Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways Contrary to popular belief, you don\u2019t actually have to put down 20% of a","og_url":"https:\/\/indafunds.com\/?p=35337","og_site_name":"Inda Funds","article_published_time":"2026-04-08T17:40:34+00:00","article_modified_time":"2026-04-08T17:40:35+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/1775670035_Banking-_-How-much-is-a-down-payment-on-a-house.jpg","type":"image\/jpeg"}],"author":"News Room","twitter_card":"summary_large_image","twitter_misc":{"Written by":"News Room","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/indafunds.com\/?p=35337#article","isPartOf":{"@id":"https:\/\/indafunds.com\/?p=35337"},"author":{"name":"News Room","@id":"https:\/\/indafunds.com\/#\/schema\/person\/3673c474b613403f243d23bd0d5f0428"},"headline":"How Much Is A Down Payment On A House?","datePublished":"2026-04-08T17:40:34+00:00","dateModified":"2026-04-08T17:40:35+00:00","mainEntityOfPage":{"@id":"https:\/\/indafunds.com\/?p=35337"},"wordCount":1456,"commentCount":0,"publisher":{"@id":"https:\/\/indafunds.com\/#organization"},"image":{"@id":"https:\/\/indafunds.com\/?p=35337#primaryimage"},"thumbnailUrl":"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/1775670035_Banking-_-How-much-is-a-down-payment-on-a-house.jpg","articleSection":["Mortgage"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/indafunds.com\/?p=35337#respond"]}]},{"@type":"WebPage","@id":"https:\/\/indafunds.com\/?p=35337","url":"https:\/\/indafunds.com\/?p=35337","name":"How Much Is A Down Payment On A House? | Inda Funds","isPartOf":{"@id":"https:\/\/indafunds.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/indafunds.com\/?p=35337#primaryimage"},"image":{"@id":"https:\/\/indafunds.com\/?p=35337#primaryimage"},"thumbnailUrl":"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/1775670035_Banking-_-How-much-is-a-down-payment-on-a-house.jpg","datePublished":"2026-04-08T17:40:34+00:00","dateModified":"2026-04-08T17:40:35+00:00","description":"Images by Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways Contrary to popular belief, you don\u2019t actually have to put down 20% of a","breadcrumb":{"@id":"https:\/\/indafunds.com\/?p=35337#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/indafunds.com\/?p=35337"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/indafunds.com\/?p=35337#primaryimage","url":"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/1775670035_Banking-_-How-much-is-a-down-payment-on-a-house.jpg","contentUrl":"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/1775670035_Banking-_-How-much-is-a-down-payment-on-a-house.jpg","width":1280,"height":720},{"@type":"BreadcrumbList","@id":"https:\/\/indafunds.com\/?p=35337#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/indafunds.com\/"},{"@type":"ListItem","position":2,"name":"How Much Is A Down Payment On A House?"}]},{"@type":"WebSite","@id":"https:\/\/indafunds.com\/#website","url":"https:\/\/indafunds.com\/","name":"Inda Funds","description":"Latest Personal Finance News and Updates","publisher":{"@id":"https:\/\/indafunds.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/indafunds.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/indafunds.com\/#organization","name":"Inda Funds","url":"https:\/\/indafunds.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/indafunds.com\/#\/schema\/logo\/image\/","url":"https:\/\/indafunds.com\/wp-content\/uploads\/2022\/06\/cropped-s-logo.jpg","contentUrl":"https:\/\/indafunds.com\/wp-content\/uploads\/2022\/06\/cropped-s-logo.jpg","width":512,"height":512,"caption":"Inda Funds"},"image":{"@id":"https:\/\/indafunds.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/indafunds.com\/#\/schema\/person\/3673c474b613403f243d23bd0d5f0428","name":"News Room","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/indafunds.com\/#\/schema\/person\/image\/","url":"https:\/\/indafunds.com\/wp-content\/uploads\/2024\/03\/avatar_user_1_1710377284-96x96.jpg","contentUrl":"https:\/\/indafunds.com\/wp-content\/uploads\/2024\/03\/avatar_user_1_1710377284-96x96.jpg","caption":"News Room"},"sameAs":["https:\/\/indafunds.com"],"url":"https:\/\/indafunds.com\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/indafunds.com\/index.php?rest_route=\/wp\/v2\/posts\/35337","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/indafunds.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/indafunds.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/indafunds.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/indafunds.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=35337"}],"version-history":[{"count":1,"href":"https:\/\/indafunds.com\/index.php?rest_route=\/wp\/v2\/posts\/35337\/revisions"}],"predecessor-version":[{"id":35339,"href":"https:\/\/indafunds.com\/index.php?rest_route=\/wp\/v2\/posts\/35337\/revisions\/35339"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/indafunds.com\/index.php?rest_route=\/wp\/v2\/media\/35338"}],"wp:attachment":[{"href":"https:\/\/indafunds.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=35337"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/indafunds.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=35337"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/indafunds.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=35337"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}