Navigating the home buying process means understanding what to expect when it comes to your down payment. In 2025, U.S. buyers typically put down a median of 19%. If it’s your first purchase, that number often sits closer to 10%, while repeat buyers are averaging 23%. The type of loan you choose can shift these numbers, and putting 20% down is the magic number to avoid PMI. There are also assistance programs and smart budgeting strategies out there to help make your path to homeownership smoother.
Drawing from my experience as an Army Veteran and seasoned negotiator, I know that being prepared with the right information—and a clear plan—makes all the difference in helping you win that offer. As someone who’s dedicated to putting clients first, I’m always here to help you understand your options and confidently take the next step.
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