I don’t think this is a bad thing at all. It will help people have some cushion for a further drop in the market and not stretch to get into homes, which contributed to the current crises.

What I have set aside for a maximum contribution for a down payment dictates the max house I can buy. The minimum I am going to put down is 20% and the most likely down based on the prices of homes on my short list is between 25%-30% down.

Of course, I have this thing that I overpay into my mortgage principal for a few years until I have 70% equity.