Is it better to put 20% down or keep more cash invested?
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It depends on your goals. Putting 20% down can eliminate mortgage insurance and lower your monthly payment. On the other hand, keeping more cash invested may provide flexibility, preserve liquidity for future opportunities, or potentially allow your investments to continue growing. There’s no universal answer. I usually encourage clients to compare both scenarios and think beyond just the monthly payment. Sometimes keeping additional cash available creates more long-term financial flexibility than putting every available dollar into the home. The best decision is the one that supports your overall financial plan, not just your mortgage.