<prompt> Human: Will be getting more than 20 of next house value from the house we are selling. We would prefer to put money above 20 down payment into an accessible savings type fund in case job falls through in the next few years.What are our options? Do we have to pay taxes if we dont put the entirety down on next house?  <response>: keep it in a high yield savings account for like 2 years. You may need it to fix things in the new house. Then, if you dont you can park it somewhere more long term. 