On all of my home loans, we have done an 80/15/5 split. We take a main home loan of 80% of the house, we then have a 15% HELOC and then we put down 5%. This allows us to have a little money left over in the HELOC (the full HELOC is for 20% but we only draw 75%, the other 25% of that loan is what we paid on the downpayment). Doing it this way allowed us to get a better interest rate on the loans.
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