<prompt> Human: So when playing around with online calculators at several sites and banks, I have seen that I can see some slightly better rates with 1837; down vs 2037; down. Im talking no PMI mortgages for that 1837; Is there some strategy for getting the best possible rate? I am likely going into this with more than 2037; in cash to be able to put down. Why wouldnt I get the better rate putting down 2037; and then add the rest as an extra principle payment once the payment period begins?  <response>: Start talking directly to some lenders. If you are serious about purchasing, you need to find 2-3 and shop between them and have them actually provide you with real rates and costs with their loan products. 