The minimum down payment for a house varies depending on the type of mortgage. For conventional loans, it can be as low as 3% of the home's purchase price. Federal Housing Administration loans require a minimum of 3.5% down, though a credit score of 500-579 may require a 10% down payment. U.S. Department of Veterans Affairs and U.S. Department of Agriculture loans typically have no down payment requirement. Jumbo loans and second homes or investment properties often require higher down payments, such as 5-10% or 20-25%, respectively[5).