<prompt> Human: Seeking feedback on a big financial decision. I have about 50 of my net worth in cash, because I sold my last home at an unexpectedly large profit and needed to rent for a year due to a temporary move. Im now buying a home for almost exactly what the previous home sold for. I have cash on hand to make a down payment of up to 70 and still have an emergency fund. Im planning on making a 30 down payment instead. My thinking is that this is only sensible on the condition that I take the rest of the cash and invest it in securities that can return more than the mortgage rate 4.875 in the long run. In this market that means equity index funds, I think. Our monthly payment will be conservatively affordable by lending industry standards, but higher 30 than what weve been paying to date. Im approaching 40 and married with kids. Am I on the right track here? EDIT: Thanks for all the comments. Your insights helped convince us to increase the down payment to 50. I think a reasonable person could go either way, depending on risk tolerance and financial goals. In the end, the flexibility and stability of keeping our monthly payment where it is now was more aligned with our goals and values.Assistant: We have no idea how much this house costs.If its 80K, who cares, just pay it all in cash.If its 2M, maybe you need to look into avoiding piggybacks and jumbo mortgages, and you wont qualify without a HUGE down payment anyway.Human: I withheld the purchase price for a bit of anonymity, but the 30 down payment is calculated to keep the loan below the areas conforming loan limit. It does put us in high balance category, which increases the interest rate. Im not sure what the threshold is for the high balance agency loans.  <response>: This is math. If a 50 down payment drops your interest rate, it might still be worth it.That rate is really high. It might be worth putting more down or going to 15 year to get it lower. You need to shop A LOT more options.Statistically, the market makes slightly more, but only over very long periods of time. Plans to make more in the stock market are not how I would make this decision. 