In Q3 2025, U.S. homebuyers' median down payment stayed steady at $30,400, about 14.4% of the purchase price, driven by affluent buyers amid high prices and mortgage rates. Down payments are 117.9% higher than in 2019, reflecting rising home prices and cash shares. FICO scores remain high at 735, favoring financially strong buyers. Sales of homes over $750,000 rose, while lower-priced sales declined. Regional disparities persist, with the Northeast having the highest down payments.
Continue to full article
