<prompt> Human: My fiancé 28f and I 30m are looking at buying our first home in a about a year. We have no debt and have a combined income of around 140,000 per year. We are looking at buying a house priced around 250,000.I am debating whether to put down either 10 or 20 as a down payment, but dont know which to do. If I put down 10, I could do it with straight cash. If I put down 20, I would do some cash and would also have to sell some of the investments in my taxable account. All of the cashed-out holdings in the taxable account would be considered long term gains - which I believe are only taxed at 15. I started the taxable account with the sole purpose of growing my initial house down payment. However, now that I have a decent chuck on money in there around 35k, I kind of dont want to touch the money. Looking for opinions on doing a larger down payment, which would lead to a lower monthly housing payments or a smaller down payment but not having to touch any money Ive invested, which hopefully fingers crossed will continue to grow over the years.  <response>: DONT BUY WITH SOMEONE YOU ARENT MARRIED TO. If you must do this, you need a lawyer to set this up like the business with substantial assets it is. rlegaladviceWith that out of the way, you can get the mortgage math from a local mortgage broker. Its not too early to price out a loan. Maybe you can get just as good of a loan at 10, or maybe theres a huge difference at the 20. Generally, 20 will get you the best mortgage, but there are definitely exceptions, or shades of gray, where 10 might be enough to avoid PMI or get pretty much the same rate. 