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Should I pay more than 20% down on a home?
The more you put down now, the less money you are borrowing.  30yrs of interest adds up. Even paying a small amount at the beginning of the mortgage can turn into a huge savings over the life of the loan. That's why you'll find advice to make extra mortgage payments in the beginning.  The question is: Do you have a better use for that money?   In particular, do you have any higher-interest debt (higher APR than your mortgage) that needs to be paid off?  You generally want to take care of those first.   Beyond that can you invest the extra down payment money elsewhere (eg stock market) and get a better return than your mortgage rate?  (don't forget about taxes on investment profits). If so, that money will do more good there.