{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.getloans.com\/blog\/how-much-is-a-down-payment-these-days\/#BlogPosting","mainEntityOfPage":"https:\/\/www.getloans.com\/blog\/how-much-is-a-down-payment-these-days\/","headline":"How Much Does A Down Payment Have To Be These Days?","name":"How Much Does A Down Payment Have To Be These Days?","description":"It seems mortgage rules change frequently, below is the latest on down payment requirements. (UPDATED 11-04-2018) For a primary residence you need a down payment of: 3.5% for an FHA Conforming loan ($453,100 or less). 3.5% for an FHA-Jumbo loan ($453,101 to $679,650, in high cost markets). 5% down for a Conventional Conforming loans ($453,100 […]","datePublished":"2010-07-23","dateModified":"2023-11-15","author":{"@type":"Person","@id":"https:\/\/www.getloans.com\/blog\/author\/brianm\/#Person","name":"brianm","url":"https:\/\/www.getloans.com\/blog\/author\/brianm\/","identifier":2,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b03dd1a5c12d48f4023463adfa5dbd6d38ebf6f4d842bd8f8d55ec71cb0ca275?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b03dd1a5c12d48f4023463adfa5dbd6d38ebf6f4d842bd8f8d55ec71cb0ca275?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Person","name":"Brian Martucci","image":{"@type":"ImageObject","@id":"https:\/\/www.getloans.com\/wp-content\/uploads\/2026\/06\/brianmartucci-getloans-logo2017.webp","url":"https:\/\/www.getloans.com\/wp-content\/uploads\/2026\/06\/brianmartucci-getloans-logo2017.webp","width":400,"height":70}},"image":{"@type":"ImageObject","@id":"https:\/\/www.getloans.com\/wp-content\/uploads\/2015\/03\/cash-donation.jpg","url":"https:\/\/www.getloans.com\/wp-content\/uploads\/2015\/03\/cash-donation.jpg","height":1067,"width":1280},"url":"https:\/\/www.getloans.com\/blog\/how-much-is-a-down-payment-these-days\/","about":["Underwriting Rules"],"wordCount":191,"keywords":["down payment","underwriting"],"articleBody":"It seems mortgage rules change frequently, below is the latest on down payment requirements. (UPDATED 11-04-2018)For a primary residence you need a down payment of:3.5% for an FHA Conforming loan ($453,100 or less).3.5% for an FHA-Jumbo loan ($453,101 to $679,650, in high cost markets).5% down for a Conventional Conforming loans ($453,100 or less).5% down (this used to be 10% down) for a Conventional Conforming “High Balance” loan ($453,101 to $669,650, in high cost markets).20% down payment for most Jumbo loans, or even 25% or more depending on the loan size.An investment property typically requires a minimum of 20% down payment, although there may be options with 15% down but they would have mortgage insurance.Investment property down payments may increase. The history of these loans is that they required 30% down when I first got in the business in 1986. In the early 2000’s during the real estate boom, this quickly went to 20% down, then 10% down, and then even 0% down for a while! Then they went back to 10% down, and currently 20% down, next stop…?And all of these requirements are subject to change due to credit scores, property type (multifamily properties may require more down payment, for example), and more."}