The conforming loan max is different in different areas, so you'd have to look at this very regionally. 20% is hardly universal too. When I looked, non-conform

The conforming loan max is different in different areas, so you'd have to look at this very regionally. 20% is hardly universal too. When I looked, non-conforming loans had slightly higher rates, but in a sub-3% world... it wasn't a huge difference. Sometimes down payment affected the rate, sometimes it didn't. Lenders seemed to have a lot of knobs to tweak on the backend to make it work if they wanted to make the loan for clients who were shopping around.