The minimum down payment for a house varies depending on the type of loan. For conventional loans, the minimum down payment can be as low as 3%. Federal Housing Administration loans require a minimum of 3.5% down payment, while U.S. Department of Veterans Affairs and U.S. Department of Agriculture loans typically have no down payment requirement. Jumbo loans and investment properties often require higher down payments, such as 20% or more. Additionally, if the down payment is less than 20%, borrowers may need to pay private mortgage insurance [4).