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Yeah. Part of what is taking us so long is that I insist we save as much as possible for a down payment. The idea that we'll be paying about 50% of what the house is worth in interest alone sounds retarded and I don't really know a way around that problem other than "throw money at it." I'm trying to play it safe. I'm not a huge risk taker. Buying a house? It's an intimidating thought.From my experience, which is only with buying two places, I would highly recommend not buying without a significant down payment. PMI is a scam. Avoid it if at all possible. Also, obviously, you get a better rate the more equity you're supplying. The same house can cost you thousands more per year if you go in with minimal down payment.