{"id":44,"date":"2026-09-20T09:00:00","date_gmt":"2026-09-20T09:00:00","guid":{"rendered":"https:\/\/www.angeleanmortgageloans.com\/blog\/2026\/09\/20\/how-much-down-payment-do-you-need-to-buy-a-house\/"},"modified":"2026-09-20T09:00:00","modified_gmt":"2026-09-20T09:00:00","slug":"how-much-down-payment-do-you-need-to-buy-a-house","status":"publish","type":"post","link":"https:\/\/www.angeleanmortgageloans.com\/blog\/2026\/09\/20\/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>Having spent more than 25 years navigating both real estate and mortgage landscapes, I\u2019m often asked: how much do you really need for a home down payment? The truth is, there\u2019s a wide range\u2014some loans, like VA and USDA, offer 0% down for eligible buyers, while conventional loans may require as little as 3%. FHA loans typically ask for 3.5%. While many think 20% is the gold standard to avoid PMI (private mortgage insurance, which adds 0.5%-1.5% annually), there are options for buyers with lower down payments. And don\u2019t forget, closing costs usually run 2%-5% of the purchase price. My experience as both a real estate and mortgage broker allows me to help clients understand the nuances of these numbers and find the right fit for their situation.<\/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>Having spent more than 25 years navigating both real estate and mortgage landscapes, I\u2019m often asked: how much do you really need for a home down payment? The truth is, there\u2019s a wide range\u2014some loans, like VA and USDA, offer 0% down for eligible buyers, while conventional loans may require as little as 3%. FHA [&hellip;]<\/p>\n","protected":false},"author":31,"featured_media":45,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-44","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/posts\/44","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/users\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/comments?post=44"}],"version-history":[{"count":0,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/posts\/44\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/media\/45"}],"wp:attachment":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/media?parent=44"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/categories?post=44"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/tags?post=44"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}