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

Assume I'm a financially retarded manchild
Milky mediation generalized bond
  02/24/26
Help friends
Milky mediation generalized bond
  02/24/26
forced savings a dislike of debt reduced vulnerability to ...
dashing lettuce church building
  02/24/26
tyft
Milky mediation generalized bond
  02/24/26
it's a risk averse move to put more money into your house th...
dashing lettuce church building
  02/24/26
you gotta put (lex) in the thread title and you'll get like ...
primrose famous landscape painting school cafeteria
  02/24/26
I'll just keep replying to every response until interest pic...
Milky mediation generalized bond
  02/24/26
"The gunnerattt strategy"
primrose famous landscape painting school cafeteria
  02/24/26
The system works
Milky mediation generalized bond
  02/24/26
no. the people doing that are just lost.
Mauve Heady Garrison
  02/24/26
for one, various closing costs seem to be proportionate to t...
Multi-colored tantric internal respiration immigrant
  02/24/26
It could affect your PMI or your rate. FWIW, financial &q...
massive razzle round eye
  02/24/26


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Date: February 24th, 2026 1:25 PM
Author: Milky mediation generalized bond

Assume I'm a financially retarded manchild

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



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Date: February 24th, 2026 2:03 PM
Author: Milky mediation generalized bond

Help friends

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



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Date: February 24th, 2026 2:04 PM
Author: dashing lettuce church building

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)



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Date: February 24th, 2026 2:09 PM
Author: Milky mediation generalized bond

tyft

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



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Date: February 24th, 2026 2:21 PM
Author: dashing lettuce church building

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)



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Date: February 24th, 2026 2:04 PM
Author: primrose famous landscape painting school cafeteria

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)



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Date: February 24th, 2026 2:10 PM
Author: Milky mediation generalized bond

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)



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Date: February 24th, 2026 2:16 PM
Author: primrose famous landscape painting school cafeteria

"The gunnerattt strategy"

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



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Date: February 24th, 2026 2:17 PM
Author: Milky mediation generalized bond

The system works

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



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Date: February 24th, 2026 2:17 PM
Author: Mauve Heady Garrison

no. the people doing that are just lost.

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



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Date: February 24th, 2026 2:18 PM
Author: Multi-colored tantric internal respiration immigrant

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)



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Date: February 24th, 2026 9:18 PM
Author: massive razzle round eye

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)