Realtor.com®: Down Payments Hit Lowest Q2 Level Since 2021
Why now
Thesis: Housing affordability still strained despite smaller down payments
Catalyst to watch: Mortgage rate moves and Fed policy
Main risk: Demand slump if rates stay elevated
Why it matters
Lower down payments but payments up 74% over five years shows affordability strain from higher rates.
Details
Homebuyers put more down this spring compared to winter, but higher rates pushed monthly payments up 74% over five years AUSTIN, Texas, Sept. 24, 2026 /PRNewswire/ -- Homebuyers put more down this spring than in the winter, but the typical down payment still fell to $27,100, the lowest...
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- prnewswire · 2026-09-24 10:00 UTC