Not as much as you might think. For example, on a $200,000 sales price with 5% down ($190,000 loan amount), principal and interest (P&I) for a 5% interest rate is $1019.96 per month. For a $200,000 sales price with 10% down ($180,000 loan amount), principal and interest (P&I) for a 5% interest rate is $966.28 per month. That’s only a difference of $53.68 per month and would free up $10,000 for other purposes.