This is not true over the lifespan of the loan (especially in the US market where interest rates are set for the whole period but can be easily refinanced), alt

This is not true over the lifespan of the loan (especially in the US market where interest rates are set for the whole period but can be easily refinanced), although it is possibly true in the immediate term around house purchase. In the immediate term it depends how the affordability of the downpayment changes relative to the affordability of the payments for the individual buyer. in the longer term it depends where interest rates are likely to go. Given they are now relatively balanced vs history it's tougher to say but as we raise interest rates further to combat inflation the likelihood interest rates will go down and the buyer will be able to renegotiate later become very likely.