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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.
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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