I think you need one more piece of information which is your monthly income/debt ration. Putting all your savings into a downpayment could be "ok" as long as yo

I think you need one more piece of information which is your monthly income/debt ration. Putting all your savings into a downpayment could be "ok" as long as you have something to back it up. Enough extra money you can save every month to feed your savings account + retirement, etc. If your down payment was 20% of your wealth but you end up with 50% debts per month then it's obviously not a smart setup. Try to combine both in making a smart decision.