re: How much to put down on a home? (more than 20%?)

At such low mortgage interest rates and at your age, if I were you...I would put down as little as possible (but no lower than the 20% to avoid PMI)--and where your budget can comfortably handle the monthly note.

Why? Your savings most likely will earn more than your mortgage will cost you. And, when you factor in taxes -- writing off mortgage interest, that spread between your earnings and your cost is even greater.

At those home prices, every 10% down is 50k. Each 50k has potential to earn you $3-4k per year at 6-8% return.

After taxes, each 50k mortgage will cost you ~4%.

Use the mortgage to earn yourself 2 - 4% incremental.

Don't ignore your earning potential of your savings and your salary will likely increase over time...in your planning.

Good luck.