<prompt> Human: I am looking at a house that costs 325000. I am considering whether to put down 20 or just 5. I have enough money for the 20 down, but I think it makes more financial sense to just put down 5 and invest the other 15 in something else. Here is my math:If I put 20 down:Down payment 65000, mortgage 260000Total interest paid at 4 interest rate 186861Total cost of home 325000186861 511861If I put 5 down:Down payment 16250, mortgage 308750PMI 160 per month 92 months to build 20 equity 14720Total cost of home 32500022189714720 561617The house costs 49756 more if I put less than 20 down, but since I put only 16250 down in scenario 2, I have extra cash 48750 on hand which I can invest elsewhere, and have it grow at 8 rather than the 4 appreciation if I had invested in the house itself.Why doesnt scenario 2 make more sense in my case?  <response>: Dont forget to account for risk. Putting money into paying down the mortgage is a return equal to your mortgage interest rate. 