yeah im not sure why they are going with 20% down. in fact if you look up your monthly payment, whether we put down 5k, 10k, 15k, 20k on a $140k house it really didn’t matter. putting down 20k over 5k made us save like $20/mo. we would much rather have that $15k in the bank for the future…and the lower downpayment didn’t hurt use with APR, as we were getting 5.25% APR (the lowest at the time).