How Much Money Should You Put Down for a House Down Payment?

If you're able to pay more than 10% for a house down payment, does it ever make sense to do so? Or is it the same mistake as paying off the mortgage early? That's a decent question. You have to work through the mathematical calculation of opportunity cost. What's the best use of my funds? Kyle: If putting down less than 10% or putting down 10% causes your mortgage payment to be more than 25% of your gross income, I'd argue that you're doing it wrong.