: 0% down (for eligible veterans and service members).
: On a $905,000 home, this would be $27,150 . 🏠 Final Deposit: Down Payment
: 0% down (for low-to-moderate income buyers in rural areas). how much deposit to buy a house in california
This is the larger sum paid at the end of the transaction to secure your mortgage. Minimum Requirements by Loan Type
To buy a house in California in 2026, you generally need two separate "deposits" at different stages of the process: an ( 1–3% of price ) to secure your offer and a down payment (0–20% of price) to finalize your loan. : 0% down (for eligible veterans and service members)
: Often require 10% to 20% down (required if the loan exceeds conforming limits). Why 20% is the "Magic Number"
: Held in a neutral escrow account and credited toward your final costs at closing. This is the larger sum paid at the
This is "good faith" money you pay when your offer is accepted. It shows the seller you are a serious buyer. : 1% to 3% of the purchase price.