<prompt> Human: From a home seller perspective why is it more desirable to have a buyer willing to put down 20 versus 3? I am in the process of buyingselling a house. I received an offer with only 3 down and on the flip side, I have 20 down payment in equity locked in my house. If the 3 loan goes south, it kills my 20 down offer. I am trying to understand how a 3 loan can fall apart at closing.  <response>: Loans fall through because the buyer is not suitable.Low down payments correlate with less qualified buyers. 