09/04/2026
Last week I told you 20% down is a myth. Here is the part that matters more. 🏡
There is no single down payment number. There is the number your loan program requires, the number that keeps your monthly payment where you want it, and the number that still leaves you money in the bank after closing. Those are three different numbers, and the third one is the one people skip.
Closing costs, the first insurance payment, and moving a household all land in the same few weeks. Putting every dollar you have into the down payment and showing up to closing empty is a rough way to start in a house you love.
When we sit down, we run all three. Drop a comment if you want to know which one usually surprises people.
