<prompt> Human: Ive always seen a lot of discussion in pf about putting down 20 when buying a home, and Ive recently started saving towards that goal, so I can buy my own house. Recently I started a new job with a higher salary, so it has occurred to me that I can do one of two things; Save the 20 quicker and buy the house a lot sooner, or I can save a higher percent in the same time frame that I was looking at previously, and put down a larger amount. Maybe 35-40 even. Im not sure what kind of pros and cons there are, though. Is there a benefit to saving up for a larger down payment above 20, or is there no point?  <response>: Your best bet is to have the 20 then put yourself in a situation where you can buy but can be patient and wait for the right deal. From there you always have the option to pay down the loan faster. 