How Much Downpayment Do I Need To Buy A House May 2026

: 3.5% down . Requires a credit score of at least 580. If your score is 500–579, a 10% down payment is required .

For a primary residence in 2026, you can put down as little as , depending on your eligibility and loan type . While the traditional recommendation is 20%, most modern home buyers—especially first-time buyers—put down significantly less . Minimum Requirements by Loan Type how much downpayment do i need to buy a house

: 0% down . Available to veterans, active-duty service members, and eligible surviving spouses . active-duty service members

: 0% down . For low-to-moderate-income buyers in designated rural areas . how much downpayment do i need to buy a house