We can go 100% on a VA loan and I'm always afraid we'll have 'too much' money tied into a house if we have to move- it might leave us a bit cash poor to buy another house if we had to move before selling or make canny buyers think we can 'afford' a lower price. But I feel that the stock market may not give as good a return on any extra money we have to invest for retirement as saving the mortgage interest and funding fees (2-5% at the start) would do. A longterm issue is mortgage payment for 100% may be too high for us to pay in retirement but the conservative thing is to then pay it down as we retire or as we are certain we won't move again. That would cost us the startup fees on whatever we choose to keep as cash instead of downpayment though. Your thoughts? opinions? what did you do?