"20% downpayment for a $750K home (modest here) would be $150k which could take you a few years to save during which you're watching your dream home's price pul

"20% downpayment for a $750K home (modest here) would be $150k which could take you a few years to save during which you're watching your dream home's price pull away from you" No, the price would not pull away from you. With 20% down payment required to complete a purchase, real-estate prices would actually come down to an affordable level, like they used to be. The requirement would eliminate all the clowns with 0% or 3% down payments who buy houses they can't afford, jacking up prices for everybody else.