- Prospective security: Sometimes you can borrow secured on property such as your family, using the house as equity. The bigger the 1st down payment, the sooner your create too much security on your domestic, that you may be able to borrow against which have a house collateral loan otherwise personal line of credit. Their collateral is the number of your home you actually individual. Such, when you yourself have a home cherished from the $200,one hundred thousand and you can a mortgage balance off $100,100000, you have fifty% security of your property, or $a hundred,100. Continue reading The huge benefits from a smaller sized Downpayment →