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Absolutely for a down-payment for most places. I will say that there are some areas where 1m is the cheapest you can get in the area. I like in a HCOL area, but not near the highest. We bought our 850 sq ft house for 100k in mid 2000's. House similar to ours sold for 600k recently, next door neighbor with near identical house with no upgrades rents theirs for over 2k a month. Shiz is getting ridiculous in a lot of areas. Then you consider interest rates currently, and putting as much as you can towards the house to avoid interest sounds like a good idea.