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There is a heated debate about how much you should pay as a down payment when buying a house.

However, if you are incredibly disciplined, the optimal way is to pay the minimum amount and invest the difference.

As the example shows, a smaller down payment means you pay more in interest and fees (e.g. PMI).

But if you invest the difference wisely, you can earn over 1,000,000 over the life of the loan!!

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