re: What's the most amount of money you'd put down on a new house? It would be a new build.

I would be inclined to but down less over max I had available.

Reason being is that I expect rates to make a dramatic decline to allow for a refinance. I haven't looked but is a 30yr still running around 6.5-7%?

Within the 4-5yrs I expect that to dip to half that. Also always pay at least 1 extra payments a year.