Gen Z mortgage shoppers in the 50 largest U.S. metros plan the lowest median down payment at $41,250, 25% below the overall median of $55,000. Millennials and baby boomers plan the highest median down payments at $65,000. California metros dominate with the highest down payments, led by San Jose at $190,000. Down payment percentages vary, with major metros like New York and Los Angeles at 20%, while others like San Antonio are at 10%.