<prompt> Human: Hi all! My wife and I are looking to buy our first home soon, and I am trying to determine how much to put down. We have 105K in the bank currently. 40K invested in index funds planned on using this money for house 65K in individual stocks 25K of this would be short term capital gains until July plus 30K in retirement accounts. Wife has stable job making 90K year. I just graduated med school and will be starting residency in July making 60K. Cheapest houses in our high COL city are 650K. So should we put down the 130 necessary for 20 or should we do more or less?  <response>: Yeah, the full 20 probably makes the most sense. Id probably take from the individual stocks the ones not subject to short term capital gains before the index funds. 