<prompt> Human: Im a first time home buyer. My wife and I make a lot more money per month than we spend. Weve saved 70,000 in a savings account for a down payment on a house which we havent yet shopped for but will be anywhere from 250k-300k depending on what we like. Based on income and credit, well be approved for the best rates and a much more expensive house. I also have 50,000 in a non-tax advantaged account in an index fund. I have another 70,000 in company stock. We have a car loan with 14,500 left at 2.9. No other debt. Retirement is taken care of and shouldnt really be in the picture since it is well funded. We plan to use a 15 year fixed mortgage.Is there any reason to put more than 20 down on a house? Is it better to just pay off the mortgage faster than 15 years with extra payments, assuming no prepayment fees?  <response>: We put down 29. The lowest rates were available to people with 25 down, but there was no rate-related incentive to get to 30 down.The reason we did that was to get the PITI to no more than 800. I want to be able to cover the mortgage with a pizza delivery job, if it comes down to that. 