<prompt> Human: I am in my 30s and considering buying a condo in the next few years. I have been working two jobs for quite a while, one of which includes housing so Ive been able to save quite a bit. I have no debt and have contributed well to retirement. As I look to buy my own place, how much is too much to put into the down payment? Housing costs are relatively low in this part of the US so I could realistically cover 50-75 of the purchase cost while maintaining an emergency fund. It doesnt seem like a good idea to tie up so much money in one thing but on the other hand, Id save a lot in lifetime interest expense.  <response>: Enough to get no PMI and a low interest rate. Move in, make sure everything is up to par and that you dont want to do renovations. After that, if you want to start making extra payments, you can save a lot of interest. 