{"id":883,"date":"2017-10-24T14:59:03","date_gmt":"2017-10-24T14:59:03","guid":{"rendered":"http:\/\/blog.himorty.com\/?p=883"},"modified":"2023-09-17T13:48:47","modified_gmt":"2023-09-17T18:48:47","slug":"down-payment-stash-your-money","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/money-matters\/down-payment-stash-your-money","title":{"rendered":"Saving for Your Down Payment? Here’s Where to Stash Your Money"},"content":{"rendered":"\n
\n\n\n\n

For many would-be homeowners, the biggest hurdle on the path to homeownership isn\u2019t the expense of a potential mortgage. It\u2019s the difficulty of saving for a down payment. <\/p>\n\n\n\n

For the non-savers among us, it can be tempting to assume that the only people who can put serious down payment money together these days are well-heeled young people with generous parents.<\/p>\n\n\n\n

But the truth is that last year more than 60% of homebuyers use good, old-fashioned savings<\/a> for their down payment. (Of the remaining homebuyers who don\u2019t specifically use savings, 35% use the proceeds from the sale of their previous home to purchase a new place. Presumably, most of those folks saved for their first home purchase, however many years ago.) <\/p>\n\n\n\n

So for future borrowers saving the old-fashioned way\u2014putting a little bit aside each month over many months or years\u2014it\u2019s important to keep that money safe until you need it. But where should you park your cash while that nest egg grows into something you can put towards your dream home?

You could keep it under your mattress, though we wouldn\u2019t advise it. (Something could happen to your mattress.<\/a>) And as a smart soon-to-be-homebuyer, you can do better.<\/p>\n\n\n\n

The Most Basic Option: a Regular Savings Account<\/h2>\n\n\n\n

A regular, FDIC-insured savings account is probably simplest place to park your down payment money. It\u2019s better than stuffing the cash in your mattress. Your local bank will be more than happy to let you open a savings account for no or minimal cost. You\u2019ll be able to access the money basically whenever you\u2019d like. A savings account where you keep your normal checking account is convenient and easy. And if you ever have an emergency, you can probably access your funds with a debit card. <\/p>\n\n\n\n

That said, Interest rates across the board are pretty low right now. That\u2019s not terrible news for would-be homeowners: low interest rates keep mortgages affordable. But because interest rates across the board are low right now, you can also expect a minimal return on any money you\u2019re keeping in a savings account. <\/p>\n\n\n\n

Basic, But Worth Investigating: a Money Market Account<\/h2>\n\n\n\n

From a consumer perspective, a money market account works pretty much exactly the same way a regular savings account works. You deposit the funds with a banking institution. You can access them pretty much whenever you want. Like a regular savings account, you are restricted from taking more than six withdrawals per month. And like a regular savings account, a money market account is also FDIC insured. (Don\u2019t confuse this with a money market mutual fund, which is an investment vehicle that is not<\/em> FDIC insured.)<\/p>\n\n\n\n

From a bank\u2019s perspective, there are fewer limits on what it can do with funds once you\u2019ve deposited them into a money market account. And that means your lender may be willing to pay you a higher interest rate on money you\u2019re keeping in a money market account than it would be willing to pay you for money you\u2019re keeping in a  regular savings account. If you want minimal hassle and you think you might need your savings at the drop of a hat (because you\u2019re close to being able to purchase a home), it may be worth looking into a money market account instead of a savings account.  <\/p>\n\n\n\n

If You Don\u2019t Need to Access the Money Right Away: CDs<\/h2>\n\n\n\n

CDs, or Certificates of Deposit, work differently than traditional savings accounts. With a CD, you agree to deposit your funds at a bank or lending institution, and then leave those funds there for a set period of time, say, 3-months, 6-months, a year, or even a few years. Once you put your money into a CD, there are penalties if you try to get the money out before the term is up. But as long as you know you won\u2019t need access to the money–perhaps because you know you\u2019re a few years off from buying that home–you can generally earn more in interest on funds you keep in a CD than you can on funds in a money market account or regular savings account. And like savings and money market accounts, CDs are FDIC-insured. So you won\u2019t lose your money if the bank goes belly-up.<\/p>\n\n\n\n

Feeling Hand-On? Try Treasury Bills and Treasury Notes<\/h2>\n\n\n\n

Treasury bills and notes are essentially IOUs directly from Uncle Sam. They mature in less than a year. Treasury Notes are issued in 2, 3, 5, and 10-year terms. Now, the FDIC doesn’t insure Treasury bills or notes. But they are backed by the ability of the US government to tax people for revenue. So Treasury bills and notes are about as safe a bet as you can make. Interest rates vary depending on demand: in volatile economic times, demand is higher, and interest rates go up. These can be a bit complicated–though would-be treasury investors no longer need a broker to get in the game. If you\u2019re interested in maximizing your return while you save for a down payment, these are worth investigating.<\/p>\n\n\n\n

Think Long and Hard Before Diving Into Other  Investments<\/h2>\n\n\n\n

Saving for a home is hard. And stocks and bonds have been performing pretty well, on average, for years now. So it can be tempting to put your savings into an investment account to see if you can get a higher rate of return. <\/p>\n\n\n\n

But you\u2019ve earmarked these savings for a down payment. Putting them into an investment account\u2014even a conservative one\u2014can be incredibly foolish. Remember: you can lose money in the stock market. Sometimes quite suddenly. People lose big in stocks and bonds all of the time. <\/p>\n\n\n\n

Are you still several years from purchasing a home? Are your major debts are under control? If you have a tolerance for risk, you might consider setting up an investment account entirely separate<\/em> from your down payment savings. Consider the investment account it\u2019s own separate thing, and continue to save for your down payment in an FDIC-insured account.  But putting a small portion of what you might have put into your savings into your investments could maybe, if you\u2019re lucky, help you build your overall assets.<\/p>\n\n\n\n

In a few years time when you’re ready to purchase a home, the assets you\u2019ve accumulated in your investment account could potentially augment your less-sexy-but-still important down payment savings.<\/p>\n\n\n\n

Be Patient<\/h2>\n\n\n\n

Scraping together enough savings to make a down payment on a home is a serious commitment. <\/p>\n\n\n\n

The median selling price for a home in America now over $200,000. (If you live in a city with high-and-rising home prices like Portland or Denver, your future housing costs could be even higher.) <\/p>\n\n\n\n

Regardless of where in the country you want to put down roots, scraping together the five-figures necessary to hit that 20%-down mark will be no easy feat. With patience, the right savings instrument, and a little bit of time? You too can squirrel away enough for your dream home. <\/p>\n","protected":false},"excerpt":{"rendered":"

For many would-be homeowners, the biggest hurdle on the path to homeownership isn\u2019t the expense…<\/p>\n","protected":false},"author":1,"featured_media":2071,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[28],"tags":[43,50,40,56],"series":[],"class_list":["post-883","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-matters","tag-down-payment","tag-saving-money","tag-savings","tag-smart-money"],"acf":[],"yoast_head":"\nHere's Where to Stash Your Money For a Down Payment | Morty Resources<\/title>\n<meta name=\"description\" content=\"How to save for your new home down payment from traditional savings accounts, money markets, CDs, treasuries and investment accounts.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.morty.com\/resources\/money-matters\/down-payment-stash-your-money\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Here's Where to Stash Your Money For a Down Payment | Morty Resources\" \/>\n<meta property=\"og:description\" content=\"How to save for your new home down payment from traditional savings accounts, money markets, CDs, treasuries and investment accounts.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.morty.com\/resources\/money-matters\/down-payment-stash-your-money\" \/>\n<meta property=\"og:site_name\" content=\"Morty Resources\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/HiMorty\/\" \/>\n<meta property=\"article:published_time\" content=\"2017-10-24T14:59:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-09-17T18:48:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2018\/07\/rawpixel-com-570908-unsplash.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1545\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Nora Apsel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@himorty\" \/>\n<meta name=\"twitter:site\" content=\"@himorty\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nora Apsel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.morty.com\/resources\/money-matters\/down-payment-stash-your-money#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.morty.com\/resources\/money-matters\/down-payment-stash-your-money\"},\"author\":{\"name\":\"Nora Apsel\",\"@id\":\"https:\/\/www.morty.com\/resources\/#\/schema\/person\/b2240f410dcc926390e8592cf8b62046\"},\"headline\":\"Saving for Your Down Payment? 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