\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

Is there any reason to put between 6% and 19% down on a house?

Assume I'm a financially retarded manchild
Concupiscible thirsty principal's office windowlicker
  02/24/26
Help friends
Concupiscible thirsty principal's office windowlicker
  02/24/26
forced savings a dislike of debt reduced vulnerability to ...
chest-beating stirring property mental disorder
  02/24/26
tyft
Concupiscible thirsty principal's office windowlicker
  02/24/26
it's a risk averse move to put more money into your house th...
chest-beating stirring property mental disorder
  02/24/26
you gotta put (lex) in the thread title and you'll get like ...
Diverse henna resort roast beef
  02/24/26
I'll just keep replying to every response until interest pic...
Concupiscible thirsty principal's office windowlicker
  02/24/26
"The gunnerattt strategy"
Diverse henna resort roast beef
  02/24/26
The system works
Concupiscible thirsty principal's office windowlicker
  02/24/26
no. the people doing that are just lost.
Lemon Disturbing Space
  02/24/26
for one, various closing costs seem to be proportionate to t...
Lime church building
  02/24/26
It could affect your PMI or your rate. FWIW, financial &q...
Gaped curious becky field
  02/24/26


Poast new message in this thread



Reply Favorite

Date: February 24th, 2026 1:25 PM
Author: Concupiscible thirsty principal's office windowlicker

Assume I'm a financially retarded manchild

(http://www.autoadmit.com/thread.php?thread_id=5837960&forum_id=2...id.#49691728)



Reply Favorite

Date: February 24th, 2026 2:03 PM
Author: Concupiscible thirsty principal's office windowlicker

Help friends

(http://www.autoadmit.com/thread.php?thread_id=5837960&forum_id=2...id.#49691868)



Reply Favorite

Date: February 24th, 2026 2:04 PM
Author: chest-beating stirring property mental disorder

forced savings

a dislike of debt

reduced vulnerability to interest rate hikes

(http://www.autoadmit.com/thread.php?thread_id=5837960&forum_id=2...id.#49691872)



Reply Favorite

Date: February 24th, 2026 2:09 PM
Author: Concupiscible thirsty principal's office windowlicker

tyft

(http://www.autoadmit.com/thread.php?thread_id=5837960&forum_id=2...id.#49691895)



Reply Favorite

Date: February 24th, 2026 2:21 PM
Author: chest-beating stirring property mental disorder

it's a risk averse move to put more money into your house than you have to instead of in the stock market, but there is nothing wrong with being risk averse if that is your position and you sleep better at night that way, you need to do what is right for you

personally, while I have a relatively high-risk investment approach, I also really really hate having debt, so I never leave credit card balances unpaid and have often paid the maximum amount on mortgages - some people may call that internally inconsistent, but I don't care, it keeps me happy and so that's what I do

(http://www.autoadmit.com/thread.php?thread_id=5837960&forum_id=2...id.#49691942)



Reply Favorite

Date: February 24th, 2026 2:04 PM
Author: Diverse henna resort roast beef

you gotta put (lex) in the thread title and you'll get like 60 replies

(http://www.autoadmit.com/thread.php?thread_id=5837960&forum_id=2...id.#49691873)



Reply Favorite

Date: February 24th, 2026 2:10 PM
Author: Concupiscible thirsty principal's office windowlicker

I'll just keep replying to every response until interest picks up

(http://www.autoadmit.com/thread.php?thread_id=5837960&forum_id=2...id.#49691897)



Reply Favorite

Date: February 24th, 2026 2:16 PM
Author: Diverse henna resort roast beef

"The gunnerattt strategy"

(http://www.autoadmit.com/thread.php?thread_id=5837960&forum_id=2...id.#49691920)



Reply Favorite

Date: February 24th, 2026 2:17 PM
Author: Concupiscible thirsty principal's office windowlicker

The system works

(http://www.autoadmit.com/thread.php?thread_id=5837960&forum_id=2...id.#49691928)



Reply Favorite

Date: February 24th, 2026 2:17 PM
Author: Lemon Disturbing Space

no. the people doing that are just lost.

(http://www.autoadmit.com/thread.php?thread_id=5837960&forum_id=2...id.#49691927)



Reply Favorite

Date: February 24th, 2026 2:18 PM
Author: Lime church building

for one, various closing costs seem to be proportionate to the amount of the loan, for example county costs to record the mortgage. title insurance may also increase too.

thus, taking a bigger loan means you're paying unnecessarily costs.

(http://www.autoadmit.com/thread.php?thread_id=5837960&forum_id=2...id.#49691933)



Reply Favorite

Date: February 24th, 2026 9:18 PM
Author: Gaped curious becky field

It could affect your PMI or your rate.

FWIW, financial "experts" really hate PMI - but i did the math when I bought a house and it was like an extra $70 a month to just put 5% down - so investing that extra $100,000 was a clear winner at a 3% rate.

Probably not the case now but goes to show how the conventional wisdom is usually not from people who've done any actual analysis.

(http://www.autoadmit.com/thread.php?thread_id=5837960&forum_id=2...id.#49692960)