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Reply to "Down payment size, would you do 50%"
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[quote=Anonymous]Money is fungible. If you put less into the down payment, you'll have more left to make monthly payments if you need to, if all else is equal. So putting less down gives you more flexibility. Why all else is not equal: The interest rate on the loan might (or might not) differ. The expected return on your brokerage investments will be higher but riskier than the savings from a higher down payment. That is, your overall portfolio will be different. The appropriate choice is a matter of your risk/return preferences. Psychologically, it might also be different. It might be harder to save if you have money in the brokerage rather than tied up in the house. Or you might feel more comfortable. There is no right/wrong answer on the psychological side; you just have to decide.[/quote]
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