{"id":20,"date":"2026-09-20T15:00:00","date_gmt":"2026-09-20T15:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/seanvaldez-com\/2026\/09\/20\/how-much-down-payment-do-you-need-to-buy-a-house\/"},"modified":"2026-09-20T15:00:00","modified_gmt":"2026-09-20T15:00:00","slug":"how-much-down-payment-do-you-need-to-buy-a-house","status":"publish","type":"post","link":"https:\/\/www.seanvaldez.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>One of the first questions I often hear is, \u201cHow much do I need for a down payment?\u201d The answer can vary quite a bit depending on your loan type and eligibility. For conventional loans, you may be looking at a minimum down payment of 3%, while FHA loans typically require 3.5%. If you qualify for a VA or USDA loan, it\u2019s even possible to secure a mortgage with 0% down. Many clients ask about putting 20% down, which can help you avoid private mortgage insurance (PMI)\u2014usually adding 0.5% to 1.5% annually to your costs. It&#039;s also important not to overlook closing costs, which tend to run between 2% and 5% of the home\u2019s price. My goal is to make sure you have all the information you need to make confident, informed decisions as you move forward on your home financing journey.<\/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>One of the first questions I often hear is, \u201cHow much do I need for a down payment?\u201d The answer can vary quite a bit depending on your loan type and eligibility. For conventional loans, you may be looking at a minimum down payment of 3%, while FHA loans typically require 3.5%. If you qualify [&hellip;]<\/p>\n","protected":false},"author":363,"featured_media":44,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-20","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.seanvaldez.com\/blog\/wp-json\/wp\/v2\/posts\/20","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.seanvaldez.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.seanvaldez.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.seanvaldez.com\/blog\/wp-json\/wp\/v2\/users\/363"}],"replies":[{"embeddable":true,"href":"https:\/\/www.seanvaldez.com\/blog\/wp-json\/wp\/v2\/comments?post=20"}],"version-history":[{"count":0,"href":"https:\/\/www.seanvaldez.com\/blog\/wp-json\/wp\/v2\/posts\/20\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.seanvaldez.com\/blog\/wp-json\/wp\/v2\/media\/44"}],"wp:attachment":[{"href":"https:\/\/www.seanvaldez.com\/blog\/wp-json\/wp\/v2\/media?parent=20"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.seanvaldez.com\/blog\/wp-json\/wp\/v2\/categories?post=20"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.seanvaldez.com\/blog\/wp-json\/wp\/v2\/tags?post=20"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}