Real Estate & Home

Down Payments Plunge to 4-Year Low as Buyers Gain More Leverage

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The median down payment for home purchases fell to $23,400 in the first quarter of 2026, marking a 19% decrease from the previous year and the lowest level in four years. This trend reflects easing market pressures on buyers due to rising inventory and slower price growth, allowing them more flexibility in negotiations without needing substantial upfront payments. Developers should watch for continued shifts towards government-backed loans requiring little or no down payment as affordability remains a key factor.

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