I have 100k, does it make sense to use 50k for a downpayment. Or is it too much?

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More information would be helpful. Really hard to make suggestions in a vacuum

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I make 100k/year - what info would you base this decision on?

Maybe put together a budget and see if you can afford it.

You need to run a cost/benefit analysis. The market is garbage right now, but will rebound eventually. Interest rates are still low. So does it make more sense to save the interest cost on your loan vs gains you could make in the market if you invest those funds? Personally, we always put the minimum down payment, have $5k emergency cash for things going wrong in the first year and then refi in the first few years to a fixed 15-year loan. If you can afford at 15-year mortgage from the get go, just do that.

How much cash do you have? Do you have a retirement account? Is the 50k a 10% or 20% down payment?

Are you in debt with anything else atm? If not, you should be good from what I see above but just don’t buy too much house and then struggle month to month

Cost of property you’re looking to buy?

Imho putting down more than 20% not a good idea due to low interest rates and high inflation.

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