<prompt> Human: My GFsoon to be fiance and I are in the process of looking atbuying a home. We wish to put 20 down of the total price to avoid PMI and keep the mortgage reasonable. Currently looking a down payment in the field of 44-50k. The issue is that I have a majority of the available down payment funds. I have up to 35k for a down payment while she has 16k.Thus on 44k down payment I would be paying about 6k more than her 28k from me vs 16k from her, and on a 50k I would be looking at 34k from me to 16k from her more than double!. Generally, this would not concern me, but she makes considerably more than me and we would still be splitting the costs of everything right down the middle aside from car payments and insurance mine is roughly 100 dollars less than hers. I dont think it is fair that I will have nothing left at the end of the month after paying half of everything while she has a surplus of 1800 a month after I put down the considerable portion of the down payment. We do not really wish to combine bank accounts bc we wanted to abide by the principle of: If you can factor it into your budget and still make the monthly payments required of you, then you can most certainly buy it.I know waiting while she accrues more is an option, but assuming we were to purchase in the near future, what is a good way to set up an arrangement whereby I at least regain my excess down payment portion to make up for her horrible savings? Thanks guys.  <response>: what is a good way to set up an arrangement whereby I at least regain my excess down payment portion to make up for her horrible savings?Like you want your future wife to pay you back for your portion of the downpayment on the house you plan on living in together?...if she makes considerably more than you, consider making your monthly expenses based on your incomes, for example she pays 60 of the mortgage and you pay 40 or whatever is fair based on your incomes. But as far as down payments, imo its the same as weddings. Its a large start-up expense and hopefully you can both bring some money to the table but unless youre willing to wait, youre the person who has more cash available right now. 