Which would you rather have?
I have enough saved up for a huge down payment but on the flip side that same money means me and my family can live for 20 years even in a downturn. What would you do?
Yeah, take a middle approach and put less money down. 10 years buffer would be quite okay.
Too vague to answer. Either you're trying to buy too expensive of a house or either you are talking about a low quality of life for 20 years for your family. Which one is it?
Congrats on being so fortunate!
Unless you're in love with Seattle and making $200k + TC I can't imagine buying anything that isn't a complete fixer upper in that area with a family to support. If you can work remote, northern Washington state has much saner housing costs, but taking your savings and moving to a low cost City and enjoying financial independence isn't a bad way to go either
That must be quite the down payment. Why not get a smaller house or at least a smaller down payment?