<prompt> Human: Thinking of moving from DC to somewhere new and cheaper, maybe the research triangle. Wed sell our home est sale: 800k, remaining mortgage 490k. Our take away from the sale will likely be around 240k.Homes that were looking at in the new location are 550k, and were now trying to think about how to square downpayment costs with what else that money could be doing for us. At a 550k purchase price, wed still have 115k above 20 down and cost of moving.Should we put more down? Try to leverage a 20 down payment to get lower interest how much lower is common in that scenario, and is there a threshold there - 25 30? Or invest the rest and invest earnings in future payments against principle? Some other way to think about this opportunity?  <response>: Typically with a high credit score more than 20 doesnt give you a better rate. Going to a 15 year will. It really depends on what your other goals are, how much cash flow you have, what other savingsretirement you have and what youd do with the leftover if you only put 20 down. 