re: Do you ever put more than 20% down on a house?

Who knows if we'll ever "stay forever". Purchased current house 4 years ago not knowing area well. Son was 3 months old. Figured all school districts were better than where we were from. Which they are, but we are looking to move into the "best" school district in the area. We were to eager to get a house instead of making the best decision. Live and learn.

All prior purchases have been where I was under 30, so I felt 20% was more than sufficient. I was young and no one would expect me to have much equity in a house yet. Not that I'm a lot older now, just realizing at some point we have to actually start owning more than 20% of our house. With my job, I can possibly move at any time depending on career aspirations. Don't want to just keep jumping into bigger houses. Sure I'll have the 20% and enough salary to afford the nicer house, but at what point am I just too old to get into that. At 40 should I just limit my budget to 15 year loans? I may actually look to refinance this to 15 years after a few years. Work in O&G and still unsure of the market to make a leap that big right now. But it's really only like 600 more a month.