If you can afford it, making a big down payment on a house can help you in the long term. Your payments and interest rates won't be as high. The below article goes into further detail about how a big down payment can help your loan.

You're earning a good living and the time seems right for you to buy a house and assume the responsibility for a home loan. But, are you really ready to dive into home ownership? This will likely be your biggest investment in entire life and one that will impact your finances for many years. This means you have to able to count on your current income for at least a decade and that you have a sizable amount of savings accumulated to make a down payment and meet the other costs that come with buying a house.

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