The source of funds matters as much as the amount.
Document whether funds come from savings, a gift, a sale, or another permitted source, and make sure the timing is clear before the offer becomes firm.
Decision Guide · Down payment
Choose the down payment with the whole plan visible.
A larger down payment can change the loan size and insurance picture, but it can also reduce liquidity. The right amount depends on the purchase, the borrower, and the next decision.
Knowledge base · Key considerations
More down payment is not always the best decision.
Reducing the loan may reduce borrowing cost, but keeping adequate liquidity can be more valuable for some households. Compare both outcomes against the purchase and ownership plan.