<prompt> Human: I want to buy a house, probably in the next few years. Ive been told I need to put in a down payment of about 20 of the cost. How does that actually work? For example, I want to buy a 200k house, I save with much effort 40k cash, then pay the seller what I have and pick up get a 140k mortgage? Get a 200k mortgage, and immediately pay the bank that 40k?  <response>: Get a 200k mortgage, and immediately pay the bank that 40k?That is the same as 0 down. You get a 160k mortgage. 