U.S. Homebuyers Increase Down Payments to Offset Elevated Mortgage Rates

By Snejana Farberov · Realtor.com · 2026-09-24

Realtor.com reports that the national median down payment rose to $27,100 in the second quarter of 2026, representing 13.7% of the total purchase price. This seasonal peak reflects a strategic shift by cash-heavy buyers to minimize long-term borrowing costs as 30-year fixed rates

Realtor.com reports that the national median down payment rose to $27,100 in the second quarter of 2026, representing 13.7% of the total purchase price. This seasonal peak reflects a strategic shift by cash-heavy buyers to minimize long-term borrowing costs as 30-year fixed rates