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lakehousefinance
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The 5% vs 20% down payment math nobody shows you Everyone says put 5% down and invest the difference. I ran the actual math across every return rate. At 6% return, 20% down wins by $78K. At 8%, it’s a dead tie. At 10% (S&P 500 average), 5% down wins by $143K. The breakeven is ~8%. But here’s the part nobody says: neither strategy works if you don’t actually invest the money. The discipline argument cuts both ways. Here’s how to fund a Canadian home purchase the smart way, and why your TFSA shoul
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