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  4. pre-approved? | Mortgage Rates. – When you decide to buy a home, you'll face the question: Should I get pre- qualified or apply for pre-approval? Learn the differences, and which.What Is The Average Down Payment On A House How Much Do You Need for a Down Payment on a House. – In addition to eliminating the need for PMI, a 20% down payment on a house will qualify you for a slightly lower interest rate than a borrower who makes a smaller down payment. Another benefit is.