<prompt> Human: I have a number of savings accounts, investments, and 401ks that could cover a significant down payment on a house. However, I dont want to deplete everything I own just to cover 20 down. So rpersonalfinance, which funds do you consider fair game for a down payment?I have:1. Savings account with 5-6 months worth of after-tax income saved.2. Approx 10-15k in taxable investments3. Approx 100k in traditional 401k and Roth investments no IRA.How do you feel about mortgages in general? Ive heard Dave Ramsey say you need 20 down on a 15-year mortgage. That seems a bit extreme, but I see where hes coming from.  <response>: I wouldnt touch anything which is emergency fund or retirement related. Keep saving. 