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Down Payment on a House: How Much Do You Really Need?
Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners.
Lead Writer/Spokesperson | Homebuying, mortgages, student loans
At NerdWallet, our content goes through a rigorous editorial review process. We have such confidence in our accurate and useful content that we let outside experts inspect our work.
Assigning Editor | Homebuying, savings and banking products
Coming up with enough cash for a down payment to buy a house can be the single biggest roadblock for prospective home buyers. But how much of a down payment do you really need? That depends on the type of loan, your lender and your priorities.
Mortgage loans from our partners
on New American Funding
New American Funding
4.5
NerdWallet rating4.5
NerdWallet ratingon New American Funding
on Rocket Mortgage
Rocket Mortgage
5.0
NerdWallet rating5.0
NerdWallet ratingon Rocket Mortgage
on Veterans United
Veterans United
4.5
NerdWallet rating4.5
NerdWallet ratingon Veterans United
on NBKC
NBKC
5.0
NerdWallet rating5.0
NerdWallet ratingon NBKC
on Tomo
Tomo
4.0
NerdWallet rating4.0
NerdWallet rating3%
on Tomo
on New American Funding
New American Funding
4.5
NerdWallet rating4.5
NerdWallet ratingon New American Funding
on NBKC
NBKC
5.0
NerdWallet rating5.0
NerdWallet ratingon NBKC
on Rocket Mortgage
Rocket Mortgage
5.0
NerdWallet rating5.0
NerdWallet ratingon Rocket Mortgage
on New American Funding
New American Funding
4.5
NerdWallet rating4.5
NerdWallet ratingon New American Funding
on Figure
Figure
4.0
NerdWallet rating4.0
NerdWallet ratingN/A
on Figure
on New American Funding
New American Funding
4.0
NerdWallet rating4.0
NerdWallet ratingon New American Funding
on Bethpage Federal Credit Union
Bethpage Federal Credit Union
4.5
NerdWallet rating4.5
NerdWallet ratingN/A
on Bethpage Federal Credit Union
on New American Funding
New American Funding
4.0
NerdWallet rating4.0
NerdWallet ratingon New American Funding
on Figure
Figure
4.0
NerdWallet rating4.0
NerdWallet ratingN/A
on Figure
on Bethpage Federal Credit Union
Bethpage Federal Credit Union
4.5
NerdWallet rating4.5
NerdWallet ratingN/A
on Bethpage Federal Credit Union
Mortgage loans from our partners
on New American Funding
New American Funding
4.5
NerdWallet rating4.5
NerdWallet ratingon New American Funding
on Rocket Mortgage
Rocket Mortgage
5.0
NerdWallet rating5.0
NerdWallet ratingon Rocket Mortgage
on Veterans United
Veterans United
4.5
NerdWallet rating4.5
NerdWallet ratingon Veterans United
on NBKC
NBKC
5.0
NerdWallet rating5.0
NerdWallet ratingon NBKC
on Tomo
Tomo
4.0
NerdWallet rating