Let’s talk about what homebuyers are actually putting down these days. In 2025, the median down payment across the U.S. was 19%. First-timers managed about 10%, while repeat buyers came in at 23%. That 20% mark? It’s not just a nice round number—it’s the cutoff for avoiding PMI. But, let’s be real: most folks, especially military and VA buyers here in Duval County, don’t always fit the national average. Different loan types have different down payment needs, and there are assistance programs and smart budgeting options out there to help. After working with over a hundred buyers—many using VA loans—I’ve seen firsthand that there’s more than one path to a set of keys. If you’re weighing your options, make sure you’re getting advice that actually fits your situation, not just what sounds good on paper.
Leave a Reply