Not sure if the advice "you do you" with respect to lower down payments is sound. If you live in a high cost area or cannot come up with savings needed for a higher down payment, the associated closing costs, cost of moving, the cost of maintaining the property, and paying the mortgage and the PMI, then you likely need to consider holding off on buying a home or moving to a lower cost area. The "you do you" mentality just fosters a high amount of Americans who are ultimately house poor.
Not sure if the advice "you do you" with respect to lower down payments is sound. If you live in a high cost area or cannot come up with savings needed for a higher down payment, the associated closing costs, cost of moving, the cost of maintaining the property, and paying the mortgage and the PMI, then you likely need to consider holding off on buying a home or moving to a lower cost area. The "you do you" mentality just fosters a high amount of Americans who are ultimately house poor.