The Average Down Payment On A House, Explained

When it comes to making that first move toward homeownership, understanding your down payment options is key. In 2025, we saw the median down payment for U.S. homebuyers land at 19%. For first-timers, it averaged around 10%, while repeat buyers typically put down 23%. The type of loan you choose can impact these numbers—some programs require less up front, and putting down 20% can help you avoid PMI. There are also assistance programs and smart budgeting strategies out there to help you get started. At KC Mortgage Duo, we believe in transparency and treating every client like family, so you can count on us to help you find the right fit for your goals—no matter where you’re starting from.