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Typical Q2 down payment falls to $27,100, lowest since 2021

HousingWire cites Realtor.com data showing the typical down payment share slid to 13.7% of the purchase price in Q2 2026, while the estimated monthly principal and interest payment rose to $2,376 in August 2026.

Reported · Written up by our desk · Residential

HousingWire reports Realtor.coms second-quarter down payment data shows the typical down payment in Q2 2026 fell to $27,100, representing 13.7% of the purchase price. That is down from 14.3% a year earlier and is the lowest second-quarter level since 2021.

The outlet notes that while down payments rose from winter into spring, affordability remains constrained by higher mortgage rates. Realtor.coms analysis pointed to elevated monthly costs and said buyers gained some negotiating room as inventory increased.

HousingWire also highlights the year-over-year shifts in dollar terms and shares, with the median down payment down 9.2% and the purchase-price share down 0.6 percentage points versus a year earlier. The report said the typical down payment increased from $25,000, or 12.9%, in Q1 2026 to $27,100, or 13.7%, in Q2 2026.

According to the report, mortgage rates have had an outsized impact on monthly affordability. In August 2026, the estimated monthly principal-and-interest payment reached $2,376, up from $1,364 in August 2021, when the median listing price was $375,000 and the typical down payment was 12.4%.

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