{"id":25,"date":"2026-09-26T09:00:00","date_gmt":"2026-09-26T09:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/richhanlin-com\/2026\/09\/26\/how-much-down-payment-do-you-need-to-buy-a-house\/"},"modified":"2026-09-26T09:00:00","modified_gmt":"2026-09-26T09:00:00","slug":"how-much-down-payment-do-you-need-to-buy-a-house","status":"publish","type":"post","link":"https:\/\/www.richhanlin.com\/blog\/2026\/09\/26\/how-much-down-payment-do-you-need-to-buy-a-house\/","title":{"rendered":"How Much Down Payment Do You Need To Buy a House?"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>After 35 years in the mortgage business, I\u2019ve seen plenty of myths swirl around down payments. Here\u2019s the truth: you don\u2019t always need 20% down to buy a home. Depending on your loan, the requirements can range from zero down (for VA or USDA loans) to just 3% for many conventional mortgages, and 3.5% for FHA. Yes, putting 20% down lets you skip PMI\u2014which runs 0.5% to 1.5% of your loan each year\u2014but for many buyers, the right fit comes from knowing all your options. And don\u2019t forget, closing costs typically land between 2% and 5% of the purchase price. For nearly a decade, I\u2019ve ranked among the nation\u2019s top mortgage brokers by guiding clients through these choices, helping families find the smart move for their situation. If you\u2019re weighing down payment strategies, know that experience matters\u2014and the right guidance can make all the difference.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/finance.yahoo.com\/real-estate\/articles\/much-down-payment-buy-house-191000455.html\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>After 35 years in the mortgage business, I\u2019ve seen plenty of myths swirl around down payments. Here\u2019s the truth: you don\u2019t always need 20% down to buy a home. Depending on your loan, the requirements can range from zero down (for VA or USDA loans) to just 3% for many conventional mortgages, and 3.5% for [&hellip;]<\/p>\n","protected":false},"author":339,"featured_media":50,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-25","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/posts\/25","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/users\/339"}],"replies":[{"embeddable":true,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/comments?post=25"}],"version-history":[{"count":0,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/posts\/25\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/media\/50"}],"wp:attachment":[{"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/media?parent=25"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/categories?post=25"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/tags?post=25"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}