Navigating down payments is often one of the biggest questions for homebuyers in the Bay Area and beyond. In 2025, the median down payment for U.S. homebuyers was 19%. First-time buyers typically put down around 10%, while repeat buyers averaged 23%. The type of loan you choose can impact your required down payment, and putting down at least 20% helps you avoid PMI (private mortgage insurance). There are also assistance programs and proven budgeting strategies available to make this step more manageable. Over my two decades in Bay Area real estate, I’ve helped many clients weigh these options, always keeping their best interests at the forefront. With careful planning and the right guidance, your path to homeownership can be a confident one.
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