 And it's not always easy right now in today's market with rates where they are and home prices not really compressing due to a lack of supply. You are not alone. In fact, Zillow did an analysis on homebuyers making the median income in the United States. They'd need to spend about $127,000 on a down payment just for their total monthly costs on a $360,000 home to not exceed the off-sided rule of 30%.