When considering a home purchase, understanding down payments is key. In 2025, the median down payment for U.S. buyers was 19%. First-time buyers typically put down 10%, while repeat buyers averaged 23%. The type of loan you choose will influence how much you need up front, and putting down 20% allows you to avoid private mortgage insurance (PMI). There are also assistance programs and smart budgeting strategies that can make the process more manageable. Drawing on nearly two decades of guiding clients through every stage of the buying process—from first homes to luxury estates—I believe informed decisions set the foundation for success in Coastal Georgia and beyond.
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