How Much Do I Really Need for a Down Payment?

Gone are the days when you needed 20% down. Most buyers today put 3–10% down, depending on the loan. Some programs even offer zero down for qualified buyers. A bigger down payment can lower your monthly costs, but don’t drain your savings — you’ll need cash for inspections, moving, and life’s surprises.

Written by Delisa Lapinsky, your trusted Rockwall and Dallas-area real estate expert.
Delisa helps homeowners across North Texas buy and sell with strategy, confidence, and ease