This is a tough question because it touches on the sentiment of the purchaser. You should have already saved at least four to six months of living expenses, in a cash account for your emergency fund, in case something should happen or change in your employment. This money should not be touched, not even for the purchase of a house. The money that you have managed to save in addition to that, money that you may have invested in other ways, should be used for your initial down payment.