<prompt> Human: Hello,I am looking to buy a home. I am qualified for a 100 loan with no down payment required at 3.65 interest. I was wondering, is there really a major benefit to putting down 20 on the home, or would it be ok to put nothing? The interest ratemonthly payment will not be affected too dramatically if I did basically throw most of my savings on a down payment. I would love to know your thoughts.  <response>: If you dont have enough saved for a down payment, you probably shouldnt be buying to begin with but it sounds more like you could make a down payment, but youre not sure whether its worth it to do so.Check the PMI and the interest on the loan versus what that money could be doing for you elsewhere and youll have a pretty good idea of whether its something you want to do. In many cases, getting out from under the PMI and having some early equity is worth it but ymmv. 