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Croemisch151515

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do I have to put a down payment down or can I wrap it all into one?

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This type of lending and borrowing is what caused the Grerat Ressision of 2007-2009.

At lowest you will need 5% down with some FHA/VA loans.  But remember if you do not have 20% or more down you will have PMI (private mortgage insurance) and adding cost of hundreds of dollars a month depending on your home value. This is is on top of taxes and owner insurance and principle and interest you pay each month.

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The down payment indicates that you are serious about buying a house.  I've done two and had to put money down on both of them.  If you are not willing or able to do that, then you should likely just consider renting or leasing a house, and that is not a bad situation.

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