<prompt> Human: Its 100K minimum for a down payment on a house, because 100K is 20 of 500K, hell if youre going to find a house less then 500K, and its stupid to put down anything less than 20 because of PMI. So 100K is effectively the magic number needed for a down payment on a house. How do normal-income level people get this? Only way I can see this happening is family money. I have a few friends who are property owners already were all 29-30, and theyre normal income level. I know for a FACT that their down payments were half or more than half paid for by their families, and that they would not have been able to afford the 90-100K needed for their down payments without their parents amassing fortunes for this exact situation, to help their kids with down payments. This is the only way I have ever seen people buy houses in our generation, their own saved money makes up half or less than half of the down payment, the rest is family money amassed for that exact situation.So how does one do it without family money? Seems that you cant get that 100K you need to put down until were like 40 or something. And by the time were 40, the price of a house will have doubled to 1mil thanks inflation, and the 20 required will be 200K, which will take another 10 years to amass, in which time the house price will have doubled again, repeat ad infinitum. So how the hell is this supposed to work without family money? Only way I have ever seen people successfully buying a house in my generation, is with the massive help of family money.  <response>: Move bro 500k is stupid nice house in 99 of America. Most places even 200-300k is pretty nice you can go less than 150 in a lot of spots. 