> the down payment seems to be the easiest part Assume you will spend 20 years to pay off the debt with 20% Down Payment. That means each month you will spend

> the down payment seems to be the easiest part Assume you will spend 20 years to pay off the debt with 20% Down Payment. That means each month you will spend 80%/240 -> 0.3% of the house value each month. Including interest rate that's 0.4 - 0.5%. So w/ down payment helps you can save up to 40-50 monthly payment.