Owning a home can destroy real money if you have 20% down and prices fall by 10%. At that point, if you need to sell, you've lost your down payment, as in WA a

Owning a home can destroy real money if you have 20% down and prices fall by 10%. At that point, if you need to sell, you've lost your down payment, as in WA at least, it costs approx 9.3% to sell a house (unless you're in an insanely sellers market, which you're not if you're down).