what is a standard down payment on a house

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A 20% down payment used to be the industry standard for homebuying – and still offers advantages. But more and more loans, including government-backed loans and even some conventional mortgages, make it possible to buy a home with less.

You may be wondering how much money you should put down. Your down payment on a house can vary significantly depending on a number of factors, like the price of the house you want to purchase, your debt-to-income ratio, and the type of loan you get. For standard mortgages, you’ll be expected to put.

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The minimum allowable down payment for an FHA loan is 3.5%. This is lower than anything you’ll find on the conventional (non-government-insured) side of the market. This is what attracts so many borrowers to the FHA program in the first place. So the typical down payment when buying a house with an FHA loan is 3.5%.

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The average down payment amount on a home is dependent on the type of loan and cost of the home. The benchmark is 20% of the home.

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