<prompt> Human: First time house buyer in the US, California, Los Angeles. Looking at a 1M property Liquid assets are around 1.3M My inclination has been to put down closer to 4037; than 2037; given my liquidity I may be in the need for cash for a second home realize stock option in the next 2-5 yearsMy question. My assumption was that putting down 4037; over 2037; is a good idea to keep principle lower make for a better offer secure better ratesBut am I naive about this? Is there ever a situation where putting down more than the minimal is a good idea?The money is currently invested in index funds with a return of 5-637; year to date.Thanks so much for your input. Any additional information I can provide for some coaching please let me know.  <response>: 1. When your salary would not support a mortgage for 80 of the value, but you have 20 of the value available2. When you have enough savingsinvestments to feel secure already and dont wish to leverage a mortgage, and would rather just own your own home3. When there is a significant difference in interest rates between LTV ratios4. When mortgage interest rates are higher than low-risk savingsinvestment rates5. When youre very risk averse and would rather not leverage a mortgage in even low-risk investments6. You just dont like being in debt7. Youre not great with money and would waste the increased spare incomesavings on frivolitiesGenerally speaking, stock market returns will be better than mortgage interest rates over the medium-long term. As such, its almost always beneficial to leverage a mortgage if you can, particularly as a first time buyer.Later in life, it may be that the security of owning your own home starts to take precedent over medium-long term investment returns.Personally, though, Ive just knocked 5 years off my mortgage term when remortgaging. Im entirely aware that its not likely to be the most efficient use of my money, but I want to own my home and would rather focus on that rather than risk as much on the stock market 