The median down payment for U.S. homebuyers in 2025 was 19%, with first-time buyers at 10% and repeat buyers at 23%. Loan types affect down payment requirements: conventional loans need 3-5%, FHA loans 3.5%, VA and USDA loans 0%, and jumbo loans 10% or more. Putting 20% down avoids PMI, but many buyers pay less. Down-payment assistance programs and budgeting strategies can help buyers manage costs.