Offer your thoughts or opinion on the input financial query or topic using your financial background.

More money towards down payment versus long-term investments
One thing that's often overlooked is that cash reserves are also a long-term investment.  Anything can be a long-term investment if it's expected to appreciate or pay interest/dividends.  So it's not either/or.  Stocks are but one way to do long-term investments. Having said that, taking on less debt for a consumer good is never a bad idea.  Your primary residence is a consumer good, regardless of those who would say that "your home is your biggest investment."  So, there's my vote for a larger down-payment. Beyond that, a couple of outside-the-box comments: