Is A Large Down Payment Still a Wise Strategy?

How much should you really put down when buying a home in today’s mortgage rate environment?In this episode of Today in Mortgages, Michael David and Rich Jefferson break down what’s real and what’s hype when it comes to down payments, interest rates, and buyer strategy in 2026.Using insights from a recent CBS News article and real‑world borrower experience, we discuss:Why over half of buyers are putting less than 20% downWhen a larger down payment does make sense — and when it doesn’tThe hidden “phantom costs” first‑time buyers almost always overlookWhy cash reserves can matter more than rate savingsHow smart loan officers coach buyers through long‑term strategyIf you’re a homebuyer, real estate professional, or loan officer looking to better understand how deals should be structured today — this episode is for you.👇 Want to work with loan professionals who actually coach instead of sell?Visit https://you.nflp.com to see what makes Network Funding different.👍 Like the video🔔 Subscribe for twice‑weekly mortgage & housing insights📤 Share with someone thinking about buying a homeLegal Disclaimer:Mortgages are produced by Network Funding LP, which is an Equal Housing Lender, NMLS 2297. The content of this program is meant to be a commentary on mortgage and real estate news. Any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. This commentary should not be considered a commitment to lend. All applicants must qualify, and you should consult a professional regarding your individual loan scenario. Visit Licenses - Network Funding  for state licensing and legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.