<prompt> Human: As the title reads, I am buying a new home and can put down 10 or 20. The reason I am wondering is because I HATE paying money when I shouldnt have to, and if I put down 10, I will have to buy PMI insurance. I could technically afford 20, but I wont have a ton of wiggle room if I do. Any advice?  <response>: As others have said, assess your emergency fund, your funds for closing costs, moving, etc... and then how much do you have left over? 10? 15? As someone who is also in the market to buy a house, my personal take is that there is no way I will buy a house by draining my e-fund or operating accounts. 