How Long Does It Take to Save for a House Down Payment?
Oct. 30, 2026, 10:49 a.m. ETIf you’re saving for a home, you’ve probably wondered when you’ll finally have enough. For a typical two-income household, putting down 20% plus closing costs takes about 6.5 years, according to a Veterans United analysis of the 50 largest U.S. metro areas.That’s a long time to stay on track, especially when housing costs, everyday bills and rising home prices keep getting in the way. The good news is that 20% isn’t your only option. A smaller down payment can shorten the wait, and some loans...