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Consider paying more now, less later
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If you can afford a larger down payment than the 5-20% that most lenders will require, ask your lender to calculate what your monthly and total payments will be if you put more down up front. Consider what else you could do with that money, such as payoff higher credit card bills. Speak to a qualified counselor to make the final decision, but understand that paying more now likely means your total payments will ultimately be lower.