One of the biggest conversations you will have about buying a home is around how much money you should or shouldn’t put down on your home loan. Putting a chunk of money down on a mortgage is a pretty impactful decision, of course. Once you sign the dotted line and hand over the check, the money you put down is no longer easy to access.

If you’re thinking about buying a house, this episode of Mortgage Secrets will clear up some of that confusion. “Limiting factors” may seem a daunting phrase, but the secret to finding what works for you is exploring where you are financially and what options you have available. Sharing his knowledge from 17 years of experience in the mortgage industry, John Downs of Downs Capital explains how you can figure out how much you should put down and where your money should come from.