{"id":23213,"date":"2026-02-09T16:51:26","date_gmt":"2026-02-09T16:51:26","guid":{"rendered":"https:\/\/incredipros.com\/?p=23213"},"modified":"2026-02-09T16:51:28","modified_gmt":"2026-02-09T16:51:28","slug":"how-to-save-for-a-down-payment","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=23213","title":{"rendered":"How To Save For A Down Payment"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            Illustration by Mae Sangaline\/Bankrate\n        <\/p>\n<\/p><\/div>\n<div>\n<div id=\"block_50f65674a9aefb7947ab350fc31e3cb8\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            There are many strategies to save for a down payment, including maximizing your savings, reducing everyday expenses and applying for down payment assistance.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            You likely don\u2019t have to save 20% for a down payment on a home. Conventional mortgages require just 3% down, and FHA loans require only 3.5% down, depending on credit score.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            You\u2019ll also need to consider the costs of home insurance, maintenance and property taxes before buying a house.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>More than half (52%) of aspiring homeowners cite the down payment and closing costs as a \u201cvery significant\u201d obstacle to homeownership, according to Bankrate\u2019s 2025 Home Affordability Report. Knowing how to minimize these costs upfront can save you from stressors down the road.<\/p>\n<p>Here are our top ways to save for a down payment, advice on how much to put down and a rundown of other costs to consider.<\/p>\n<h2 id=\"how-much\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How much do you need for a down payment?\" data-outcome=\"\">How much do you need for a down payment?<\/h2>\n<p>The good news is that most mortgage down payment requirements are far lower than the oft-heard 20%. Here\u2019s how the different loan types compare:<\/p>\n<p>Of course, your minimum down payment is just one piece of the puzzle. The cost of the home you buy will also be a major factor in your down payment.<\/p>\n<p>While the median home price in the U.S. was $414,900 in the last quarter of 2025, according to the National Association of Realtors (NAR), the home price you can expect to find varies by region and even metro area. In the Northeast, for example, the median home price was $514,600, while the Midwest saw a median price of only $317,100 in the fourth quarter.\u00a0<\/p>\n<p>Once you\u2019ve decided how much home you can afford, you can start deciding how much to put down on your house and making a savings plan for your down payment.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    What&#8217;s the typical down payment on a home?\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>The median down payment for all homebuyers is 19%, according to the National Association of Realtors. First-time homebuyers make a median down payment of 10%.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"how-to-save\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to save for a down payment: 8 strategies\" data-outcome=\"\">How to save for a down payment: 8 strategies <\/h2>\n<p>There are several ways to save for a house:<\/p>\n<h3>1. Park the savings in a high-yield account<\/h3>\n<p>Although mortgage rates may be rising, that can be good news for your savings. Some banks and credit unions are paying as much as 4% annual percentage yield (APY) on select accounts. Consider stashing your savings in one of the following:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>High-yield savings account<\/strong><strong>:<\/strong> High-yield savings accounts offer significantly higher earning potential than standard savings accounts. Some currently pay between 4% and 5%, as opposed to 0.01% at some big-name banks.<\/li>\n<li>\n<strong>Money market account<\/strong><strong>:<\/strong> Money market accounts are a cross between a checking and savings account that may offer higher rates than standard savings accounts.<\/li>\n<li>\n<strong>Certificate of deposit (CD)<\/strong><strong>:<\/strong> CDs are fixed-rate savings vehicles with a finite term \u2014 often six, 12 or 18 months. Consider your homebuying timeline when using CDs, since there are penalties for withdrawing money early. If your homebuying plans give you the time, consider a CD ladder to allow you take advantage of changing interest rates over time.<\/li>\n<\/ul>\n<h3>2. Automate your savings<\/h3>\n<p>Another strategy is to establish automated savings deposits to ensure you will make savings a regular part of your financial plan. If you\u2019re working, your employer may be able to channel part of your direct deposits into a savings account for your down payment. Freelancers, contractors and business owners can schedule regular automatic transfers to their savings.<\/p>\n<h3>3. Explore additional sources of income<\/h3>\n<p>If you have the spare time and energy, another income source or a side hustle can help you save for a down payment. You might even be able to turn a hobby into a money-making proposition.<\/p>\n<h3>4. Consider a down payment assistance program<\/h3>\n<p>Down payment assistance could be an option if you\u2019re struggling to save, especially if you\u2019re a first-time buyer. This assistance can come in various forms, from deferred or forgivable loans to grants. Each program has different eligibility requirements, usually based on income and location. Start your search with your area\u2019s local or state housing authority.<\/p>\n<h3>5. Reduce your expenses<\/h3>\n<p>If you\u2019re saving for a house, cutting back on your spending can help. Here\u2019s how:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Lower discretionary spending.<\/strong> These are expenses like subscription services, entertainment, delivery services or eating out. While you may not want to cut out this spending entirely, consider ways to spend less.<\/li>\n<li>\n<strong>Save money on your bills. <\/strong>If possible, negotiate recurring monthly or annual expenses, such as shopping around for a better rate on car insurance or reducing an internet bill.<\/li>\n<li>\n<strong>Pay down existing debt.<\/strong> A lower debt load will make you a better candidate for a mortgage, and once you\u2019ve eliminated these payments, you can redirect money to your down payment fund.<\/li>\n<\/ul>\n<p>While not an option for everyone, if you\u2019re able to, moving back into your parents\u2019 house or moving in with a roommate can help you save for a down payment as well. A strong majority (64%) of Americans would be willing to make a change to find more affordable housing, according to our 2025 Home Affordability Report.<\/p>\n<h3>6. Request a raise<\/h3>\n<p>While each company\u2019s financial situation and performance measures vary, you might be able to get paid more, especially if you\u2019ve made valuable contributions at work recently. Come to the discussion prepared, outlining the work you\u2019ve done and how it impacted the company\u2019s bottom line.<\/p>\n<h3>7. Ask for a gift<\/h3>\n<p>Many first-time homebuyers have turned to family members for help with a down payment. If a family member or friend is willing to give you some funds for your home, be sure to document this in a gift letter for your lender.<\/p>\n<h3>8. Reprioritize your savings goals<\/h3>\n<p>Your down payment is likely not the only reason you\u2019re stashing money away. While working toward your down payment goal, you may want to temporarily adjust where your savings dollars go. You may be saving for retirement in an IRA or 401(k), for example, or for a child\u2019s college education. Consider diverting part of that money briefly to your down payment fund.\u00a0<\/p>\n<p>One caveat: If you are receiving a company match for retirement savings, you may not want to jeopardize that by lowering your contribution.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Don&#8217;t touch your emergency fund\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>When looking at how to save for a down payment, it\u2019s best to avoid taking money from your emergency fund. This nest egg should have three to six months of living expenses in it, and should not be used to fund your down payment. You may need this cushion for repairs or other costs once you own your home, and maintaining a healthy savings account can help you qualify for a mortgage.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"how-long\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How long should you plan to save for a down payment?\" data-outcome=\"\">How long should you plan to save for a down payment?<\/h2>\n<p>Knowing how to save for a house includes establishing a reasonable timeline. Your timing depends on how much you plan to put down and how much you\u2019re able to save each month. Location matters, too, since average home costs vary widely in the U.S. depending on where you live.<\/p>\n<p>If you hope to be in a home sooner rather than later, you may choose to put less money down and settle for a higher mortgage rate or choose a longer mortgage term to achieve your homeowner goals more quickly \u2014 just be sure you understand how these tradeoffs affect your total cost of borrowing.<\/p>\n<h2 id=\"other-costs\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Other costs to save for when buying a home\" data-outcome=\"\">Other costs to save for when buying a home<\/h2>\n<p>While the down payment is the biggest homebuying expense for most people, there are other costs you need to factor in, including:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Closing costs:<\/strong> These may include origination fees, title insurance and more. Typically, this is 2% to 5% of the principal amount.<\/li>\n<li>\n<strong>Mortgage reserves<\/strong><strong>:<\/strong> Your lender may require you to have cash or accessible assets in reserve, amounting to several months of mortgage payments.\u00a0<\/li>\n<li>\n<strong>Maintenance and repairs:<\/strong> According to Bankrate\u2019s 2025 Hidden Costs of Homeownership Study, home maintenance costs average $8,808 a year.\u00a0<\/li>\n<li>\n<strong>Home insurance:<\/strong> Although not required like car insurance, home insurance offers peace of mind that you\u2019ll have help with catastrophic costs from a fire, hurricane or other covered peril. The average cost of home insurance in the U.S. is $2,424 per year.\u00a0<\/li>\n<li>\n<strong>Moving expenses<\/strong>: These vary widely, depending on location and the number of items you are moving. The average cost of hiring professional movers is $1,705, according to HomeAdvisor data.<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"fbhFUS6bW1\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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You likely don\u2019t have to save 20% for a down payment on a home. Conventional mortgages require just 3% down, and FHA loans require only 3.5%<\/p>\n","protected":false},"author":1,"featured_media":23214,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23213","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Save For A Down Payment | IncrediPros<\/title>\n<meta name=\"description\" content=\"Illustration by Mae Sangaline\/Bankrate Key takeaways There are many strategies to save for a down payment, including maximizing your savings, reducing\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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