There are certainly exceptions. When my partner and I purchased our place we only put enough down to avoid the extra insurance for down payments below 20%. With

There are certainly exceptions. When my partner and I purchased our place we only put enough down to avoid the extra insurance for down payments below 20%. With a 2.9% interest rate on our place, most indexes should perform better. Having said that, the cause for my initial comment was just expressing my worry that if everyone was only able to put down a small amount of the total purchase price, then we're likely financing a lot of people who probably cant afford the place they're living in as soon as something small goes wrong. Do we know how people defaulting correlates with their initial down payment size? I'm sure someone has studied this, but I have not been able to find any stats.