<prompt> Human: Would like a general answer to the question in case others are wondering too, but the specifics of my circumstances are: USA First time home buyer Would be able to pay 50 down in our target price range for a house The money not put towards the downpayment would probably earn more than the APR on the loan via stocks Excellent credit rating only small amount of debtI know 20 is the magic number to avoid mortgage insurance, but do I get a better rate if I pay more down? Do I avoid some other penalties fees that Im not thinking of?  <response>: If by financing less you could afford a 15 instead of a 30 year loan, yes, you could get a lower rate. But the more you put down, the less youll pay in interest, which is always good. 