<prompt> Human: I am looking into buying a house in the next year, and the common advice is to put down the 20 to avoid PMI. However, thats a lot of money and it would take many more years for me to save up for that. I am aiming to buy a house around 200,000, and have 15,000 ready for a down payment. I know it would take another, maybe, 3 years to save up 40,000, which I don;t think I am willing to do.So... who here actually put down 20 on their mortgage.  <response>: I didnt put down 20. I think its more and more common now to do less than 20 especially among younger people and first time buyers. 