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I have done both - minimum and more than 20%. Since mortgage rates are so low, it may be better to put your money is something profitable or save it for a rainy day. However, if you do not put down at least 20%, then you will pay an extra fee to private mortgage insurance.

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I'm not talking about the percentage to put down (assume that's fixed at 20%). I mean what % of your net wealth did that 20% downpayment represent? In the example above, if your net worth is $400,000 and you put a downpayment down of $200,000, the downpayment is 50% of your total net worth.

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