How much to put down on a home?

[TBH]

20 percent down, 20 year fixed, and 20K in improvements in the first year for us also.

I don't regret putting down 20 percent. We could have put more down, but we needed a lot of liquid cash because the house was in such bad shape. Also, we had a new baby and I was looking for work.

If I were going to move up (which I'm still thinking about because I was just reading another thread about that) I'd want to do an 80-10-10 loan, if such a thing was even possible in this credit climate.

That way I could put 10% down, and not be forced to sell my current house quickly and cheaply. I could take my time selling it, and as soon as it sold I could pay off the second mortgage and have a normal 80% loan.