As a general rule, you should aim to save at least 20% of the home's purchase price for a down payment, plus additional funds for closing costs (typically 2-5% of the purchase price) and emergency savings. However, there are loan programs available that allow for lower down payments, sometimes as low as 3-5%. It's best to consult with a financial advisor and a mortgage professional to determine the right savings goal for your specific situation and the type of loan you're seeking.