How Much Downpayment Do I Need To Buy A House -

For a primary residence in 2026, you can put down as little as , depending on your eligibility and loan type . While the traditional recommendation is 20%, most modern home buyers—especially first-time buyers—put down significantly less . Minimum Requirements by Loan Type

: 3.5% down . Requires a credit score of at least 580. If your score is 500–579, a 10% down payment is required . how much downpayment do i need to buy a house

: 0% down . Available to veterans, active-duty service members, and eligible surviving spouses . For a primary residence in 2026, you can

: 3% down . Specifically for qualified first-time homebuyers through programs like HomeReady or Home Possible . For a primary residence in 2026