{"id":23581,"date":"2026-03-13T15:09:24","date_gmt":"2026-03-13T15:09:24","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=23581"},"modified":"2026-03-13T15:09:26","modified_gmt":"2026-03-13T15:09:26","slug":"whats-the-average-down-payment-on-a-house","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=23581","title":{"rendered":"What&#8217;s The Average Down Payment On A House?"},"content":{"rendered":"<div>\n<div id=\"block_a883873a9f3b8b4eef16b88ed4708c5f\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Down payment amounts vary widely depending on home prices and loan types. They can range from less than $10,000 to $200,000 or more.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Most housing market data focuses on the median down payment, rather than the average, because it\u2019s a better measure of what the typical borrower contributes.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            In 2025, the median down payment on a home in the U.S. was 19% of the purchase price \u2014 but for first-time buyers specifically, it was just 10%.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>If you\u2019re thinking about buying a home, you may assume you need a 20% down payment. But while that number has been considered the standard for many years, most mortgages don\u2019t require a full 20% down \u2014 and it\u2019s definitely not typical for first-time homebuyers. Here\u2019s what to know when setting your down payment\u2013savings goal.<\/p>\n<h2 id=\"average\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What is the average down payment on a house?\" data-outcome=\"\">What is the average down payment on a house?<\/h2>\n<div class=\"Callout flex flex-col gap-y-6 border-4 border-solid border-blue-100 rounded-lg py-8 px-6 md:px-10 mt-8 mb-16\">\n            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"heading-3 my-0 text-crop-none text-blue-700\">\n    $78,831<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>The median down payment on a home in the U.S. at the end of 2025 was $78,831 \u2014 that\u2019s 19% of the median sale price in the fourth quarter, which was $414,900.<\/p>\n<p class=\"SourceLinkList text-gray-700 m-0\">Source:<\/p>\n<p>                    National Association of Realtors\n            <\/p>\n<\/p><\/div>\n<p>National Association of Realtors data shows that, in 2025, the median down payment for all U.S. homebuyers was 19%.<\/p>\n<p>But if you dig a bit deeper, that figure varies quite a bit based on a buyer\u2019s history. Repeat buyers \u2014 those who have previously owned a home \u2014 made a median down payment of 23%, while the median for first-time buyers was just 10%. On a home costing $414,900, the median sale price at the end of the year, that\u2019s a significant difference of $95,427 for repeat buyers versus $41,490 for first-timers.<\/p>\n<p>The housing market is constantly evolving, and so is the typical down payment. As you can see on the chart below, property values have soared in recent years; typically, as the price of a home rises, so must the amount people tend to put down on their mortgages.<\/p>\n<h3>Average vs. median down payment<\/h3>\n<p>While you might be searching for the average down payment on a house, most housing experts focus on the median. Why? The median \u2014 which is the middle value in a data set \u2014 is a better indicator of what\u2019s typical. The average, on the other hand, can be skewed by a small number of borrowers making unusually high or unusually low down payments.<\/p>\n<h2 id=\"by-state\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Down payments by state\" data-outcome=\"\">Down payments by state<\/h2>\n<ul class=\"Accordion\">\n<li x-id=\"['panel-explore-median-down-payments-by-state', 'heading-explore-median-down-payments-by-state']\" x-data=\"{ expanded: false }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:p-6 group\" :id=\"$id('heading-explore-median-down-payments-by-state')\" :aria-controls=\"$id('panel-explore-median-down-payments-by-state')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\"><\/p>\n<h3 class=\"Accordion-title mr-2 md:flex-1 my-0\">Explore median down payments by state<\/h3>\n<p><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-explore-median-down-payments-by-state')\" :labelledby=\"$id('heading-explore-median-down-payments-by-state')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--stripedOdd Table--spacing1 align-middle has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th>State<\/th>\n<th>Median down payment (July 2025)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Alabama<\/strong><\/td>\n<td>$37,300<\/td>\n<\/tr>\n<tr>\n<td><strong>Alaska<\/strong><\/td>\n<td>N\/A<\/td>\n<\/tr>\n<tr>\n<td><strong>Arizona<\/strong><\/td>\n<td>$68,500<\/td>\n<\/tr>\n<tr>\n<td><strong>Arkansas<\/strong><\/td>\n<td>$29,200<\/td>\n<\/tr>\n<tr>\n<td><strong>California<\/strong><\/td>\n<td>$160,600<\/td>\n<\/tr>\n<tr>\n<td><strong>Colorado<\/strong><\/td>\n<td>$118,544<\/td>\n<\/tr>\n<tr>\n<td><strong>Connecticut<\/strong><\/td>\n<td>$90,225<\/td>\n<\/tr>\n<tr>\n<td><strong>Delaware<\/strong><\/td>\n<td>$75,000<\/td>\n<\/tr>\n<tr>\n<td><strong>District of Columbia<\/strong><\/td>\n<td>$250,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Florida<\/strong><\/td>\n<td>$60,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Georgia<\/strong><\/td>\n<td>$50,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Hawaii<\/strong><\/td>\n<td>$820,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Idaho<\/strong><\/td>\n<td>$67,900<\/td>\n<\/tr>\n<tr>\n<td><strong>Illinois<\/strong><\/td>\n<td>$40,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Indiana<\/strong><\/td>\n<td>$48,542<\/td>\n<\/tr>\n<tr>\n<td><strong>Iowa<\/strong><\/td>\n<td>$30,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Kansas<\/strong><\/td>\n<td>$71,250<\/td>\n<\/tr>\n<tr>\n<td><strong>Kentucky<\/strong><\/td>\n<td>$34,250<\/td>\n<\/tr>\n<tr>\n<td><strong>Louisiana<\/strong><\/td>\n<td>$21,825<\/td>\n<\/tr>\n<tr>\n<td><strong>Maine<\/strong><\/td>\n<td>$71,300<\/td>\n<\/tr>\n<tr>\n<td><strong>Maryland<\/strong><\/td>\n<td>$79,500<\/td>\n<\/tr>\n<tr>\n<td><strong>Massachusetts<\/strong><\/td>\n<td>$139,750<\/td>\n<\/tr>\n<tr>\n<td><strong>Michigan<\/strong><\/td>\n<td>$33,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Minnesota<\/strong><\/td>\n<td>$55,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Mississippi<\/strong><\/td>\n<td>$15,800<\/td>\n<\/tr>\n<tr>\n<td><strong>Missouri<\/strong><\/td>\n<td>$36,250<\/td>\n<\/tr>\n<tr>\n<td><strong>Montana<\/strong><\/td>\n<td>N\/A<\/td>\n<\/tr>\n<tr>\n<td><strong>Nebraska<\/strong><\/td>\n<td>$41,987<\/td>\n<\/tr>\n<tr>\n<td><strong>Nevada<\/strong><\/td>\n<td>$75,000<\/td>\n<\/tr>\n<tr>\n<td><strong>New Hampshire<\/strong><\/td>\n<td>$99,000<\/td>\n<\/tr>\n<tr>\n<td><strong>New Jersey<\/strong><\/td>\n<td>$118,500<\/td>\n<\/tr>\n<tr>\n<td><strong>New Mexico<\/strong><\/td>\n<td>$59,625<\/td>\n<\/tr>\n<tr>\n<td><strong>New York<\/strong><\/td>\n<td>$82,525<\/td>\n<\/tr>\n<tr>\n<td><strong>North Carolina<\/strong><\/td>\n<td>$64,000<\/td>\n<\/tr>\n<tr>\n<td><strong>North Dakota<\/strong><\/td>\n<td>$33,106<\/td>\n<\/tr>\n<tr>\n<td><strong>Ohio<\/strong><\/td>\n<td>$31,425<\/td>\n<\/tr>\n<tr>\n<td><strong>Oklahoma<\/strong><\/td>\n<td>$27,600<\/td>\n<\/tr>\n<tr>\n<td><strong>Oregon<\/strong><\/td>\n<td>$94,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Pennsylvania<\/strong><\/td>\n<td>$47,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Rhode Island<\/strong><\/td>\n<td>$89,400<\/td>\n<\/tr>\n<tr>\n<td><strong>South Carolina<\/strong><\/td>\n<td>$58,870<\/td>\n<\/tr>\n<tr>\n<td><strong>South Dakota<\/strong><\/td>\n<td>$46,875<\/td>\n<\/tr>\n<tr>\n<td><strong>Tennessee<\/strong><\/td>\n<td>$50,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Texas<\/strong><\/td>\n<td>$15,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Utah<\/strong><\/td>\n<td>$202,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Vermont<\/strong><\/td>\n<td>N\/A<\/td>\n<\/tr>\n<tr>\n<td><strong>Virginia<\/strong><\/td>\n<td>$72,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Washington<\/strong><\/td>\n<td>$126,000<\/td>\n<\/tr>\n<tr>\n<td><strong>West Virginia<\/strong><\/td>\n<td>$20,944<\/td>\n<\/tr>\n<tr>\n<td><strong>Wisconsin<\/strong><\/td>\n<td>$50,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Wyoming<\/strong><\/td>\n<td>N\/A<\/td>\n<\/tr>\n<\/tbody>\n<tfoot>\n<tr>\n<td><em>Note: Data was unavailable for Alaska, Montana, Vermont and Wyoming.<\/em><\/td>\n<td>Source: ATTOM<\/td>\n<\/tr>\n<\/tfoot>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h2 id=\"mortgage-type\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Down payment requirements for different mortgage types\" data-outcome=\"\">Down payment requirements for different mortgage types<\/h2>\n<p>The minimum amount you\u2019ll need for a down payment depends on the cost of the home and the type of mortgage you have. The requirements range from no down payment at all to 10% or more. Here\u2019s an overview of the most common loan types and their minimum down payments:<\/p>\n<h2 id=\"by-age\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Average down payment by age\" data-outcome=\"\">Average down payment by age<\/h2>\n<p>In general, the younger the buyer, the smaller the down payment. Older buyers are more likely to be able to sell a previous home to fund a down payment or have had more working years in which to save up for the purchase. Here is the typical down payment on a house by age group:<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--stripedOdd Table--spacing1 align-middle has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th>Homebuyer age group<\/th>\n<th>Median down payment percentage<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<p><strong>26-34 years old<\/strong><\/p>\n<\/td>\n<td>10%<\/td>\n<\/tr>\n<tr>\n<td>\n<p><strong>35-44 years old<\/strong><\/p>\n<\/td>\n<td>14%<\/td>\n<\/tr>\n<tr>\n<td>\n<p><strong>45-59 years old<\/strong><\/p>\n<\/td>\n<td>17%<\/td>\n<\/tr>\n<tr>\n<td>\n<p><strong>60-69 years old<\/strong><\/p>\n<\/td>\n<td>28%<\/td>\n<\/tr>\n<tr>\n<td>\n<p><strong>70-78 years old<\/strong><\/p>\n<\/td>\n<td>36%<\/td>\n<\/tr>\n<tr>\n<td>\n<p><strong>79-99 years old<\/strong><\/p>\n<\/td>\n<td>38%<\/td>\n<\/tr>\n<\/tbody>\n<tfoot>\n<tr>\n<td>Source: <u>National Association of Realtors<\/u>\n<\/td>\n<td\/>\n<\/tr>\n<\/tfoot>\n<\/table>\n<\/div>\n<h2 id=\"how-much\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How much does a down payment on a house cost?\" data-outcome=\"\">How much does a down payment on a house cost?<\/h2>\n<p>Making the minimum down payment is always an option, but there are benefits to putting down more. The larger your down payment, the less you\u2019ll need to borrow and the lower your monthly payments and total interest costs will be. You\u2019ll also be more likely to get a better interest rate on your mortgage with a larger down payment. And it translates into more equity in the home to start \u2014 a tappable asset, as well as a potential safeguard against any decline in home value.<\/p>\n<p>Although 20% is not technically required by lenders, if you can put that amount down on a conventional mortgage, you\u2019ll avoid paying for private mortgage insurance (PMI), which is an extra charge tacked onto your monthly payment until you reach 20% equity.<\/p>\n<p>If you\u2019re struggling to save for a down payment, look into down payment assistance programs in your area. Many cities, counties and states offer loans and grants to help you cover down payment or closing costs, so you won\u2019t need to pay as much out of pocket.<\/p>\n<p>Ultimately, whether you decide to put down more than the minimum depends on your finances and what will make you feel most comfortable. If you\u2019ve been renting for a while and have limited savings, pulling together the minimum down payment might be preferable to continuing to rent, especially if your housing needs have changed. Buying a home sooner rather than later also moves you into wealth-building territory more quickly, acquiring an asset you can pass down to future generations.<\/p>\n<h3 id=\"examples\">Down payment examples<\/h3>\n<p>We\u2019ve done the math to help you <u>estimate your down payment<\/u> at various price points.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--stripedOdd Table--spacing1 align-middle has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th>Home price<\/th>\n<th>3% down<\/th>\n<th>10% down<\/th>\n<th>20% down<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>$200,000<\/strong><\/td>\n<td>$6,000<\/td>\n<td>$20,000<\/td>\n<td>$40,000<\/td>\n<\/tr>\n<tr>\n<td><strong>$300,000<\/strong><\/td>\n<td>$9,000<\/td>\n<td>$30,000<\/td>\n<td>$60,000<\/td>\n<\/tr>\n<tr>\n<td><strong>$400,000<\/strong><\/td>\n<td>$12,000<\/td>\n<td>$40,000<\/td>\n<td>$80,000<\/td>\n<\/tr>\n<tr>\n<td><strong>$500,000<\/strong><\/td>\n<td>$15,000<\/td>\n<td>$50,000<\/td>\n<td>$100,000<\/td>\n<\/tr>\n<tr>\n<td><strong>$600,000<\/strong><\/td>\n<td>$18,000<\/td>\n<td>$60,000<\/td>\n<td>$120,000<\/td>\n<\/tr>\n<tr>\n<td><strong>$700,000<\/strong><\/td>\n<td>$21,000<\/td>\n<td>$70,000<\/td>\n<td>$140,000<\/td>\n<\/tr>\n<tr>\n<td><strong>$800,000<\/strong><\/td>\n<td>$24,000<\/td>\n<td>$80,000<\/td>\n<td>$160,000<\/td>\n<\/tr>\n<tr>\n<td><strong>$900,000<\/strong><\/td>\n<td>$27,000<\/td>\n<td>$90,000<\/td>\n<td>$180,000<\/td>\n<\/tr>\n<tr>\n<td><strong>$1 million<\/strong><\/td>\n<td>$30,000<\/td>\n<td>$100,000<\/td>\n<td>$200,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"faq\" data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"FAQs\" data-outcome=\"\">FAQs<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-can-i-avoid-paying-pmi-without-making-a-20-down-payment', 'heading-can-i-avoid-paying-pmi-without-making-a-20-down-payment']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-can-i-avoid-paying-pmi-without-making-a-20-down-payment')\" :aria-controls=\"$id('panel-can-i-avoid-paying-pmi-without-making-a-20-down-payment')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can I avoid paying PMI without making a 20% down payment?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-can-i-avoid-paying-pmi-without-making-a-20-down-payment')\" :aria-labelledby=\"$id('heading-can-i-avoid-paying-pmi-without-making-a-20-down-payment')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>If you\u2019re putting down less than 20% on a conventional loan, you won\u2019t be able to completely avoid private mortgage insurance (PMI). Some mortgage lenders do offer \u201cno-PMI\u201d options, but you will pay a higher interest rate, which could end up costing you more over time.<\/p>\n<p>Another possible solution: a piggyback mortgage. You\u2019ll finance 80% of the home\u2019s price with one mortgage, take out a second mortgage for another 10%, and then come up with the remaining 10% in cash. That second mortgage, plus your 10% contribution, in effect gives you a 20% down payment \u2014 so you avoid PMI.<\/p>\n<p>If you\u2019re a first-time homebuyer, you might get a break on PMI, anyway. Many first-time buyer programs come with reduced premiums.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-how-can-i-fund-a-down-payment', 'heading-how-can-i-fund-a-down-payment']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-can-i-fund-a-down-payment')\" :aria-controls=\"$id('panel-how-can-i-fund-a-down-payment')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How can I fund a down payment?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-can-i-fund-a-down-payment')\" :aria-labelledby=\"$id('heading-how-can-i-fund-a-down-payment')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            In addition to using your own money from savings or investments to cover a down payment, you can also use gift funds from a friend, relative or other source. If using a gift to cover part of the down payment, be prepared to show a lender documentation that the money truly is a gift and doesn\u2019t need to be repaid. There are also plenty of down payment assistance programs out there, typically geared toward first-time and low- to moderate-income buyers. Some assistance can even come in the form of a grant or a forgivable loan, which means you never need to repay the money.\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\n<p><i>Additional reporting by Maya Dollarhide<\/i><\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"d36vQzjldW\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/mortgages\/average-down-payment\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Down payment amounts vary widely depending on home prices and loan types. They can range from less than $10,000 to $200,000 or more. Most housing market data focuses on the median down payment, rather than the average, because it\u2019s a better measure of what the typical borrower contributes. In 2025, the median down<\/p>\n","protected":false},"author":1,"featured_media":23582,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23581","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What&#039;s The Average Down Payment On A House? | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Key takeaways Down payment amounts vary widely depending on home prices and loan types. They can range from less than $10,000 to $200,000 or more. 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