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Down Payments

A big part of the picture

Your down payment plays a major part in getting a mortgage.
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Down payments — what you should know

Your down payment on a house is money you pay to make up the difference between your mortgage amount and the purchase price of the home.

  • How it works. Think of down payments on a house or other property as a percentage of the cost of the home you'd like to buy. So 20% of a $250,000 home is $50,000. Want to see how your down payment affects your price range?
    Find your price range now
  • Why it matters. Your lender factors in your down payment with your credit score, credit history, total debt, and annual income to see if you qualify for a loan.
  • Options for a low down payment. You've probably heard that the average down payment on a house is 20%. But that's not always the case. Talk to a home mortgage consultant about your options.
    Contact us

 Did you know? 

Wells Fargo is the nation's leading residential mortgage lender. Our home mortgage consultants have the experience to help you find the loan that's right for you. Learn more
Making a down payment

Video — Making a down payment

See how down payments affect the cost of your mortgage — with tips on saving for your down payment.

Watch video