I’m not surprised about the 20% down payments – but what does surprise me a bit are some of the much larger ones (and the % of them from your sampling). 50% down payment on a $600-700k house, etc.

I would guess those are people who did sell at the top, and need to move the cash into a new purchase.

And I am still shocked about the perception that an $80k/year income is inadequate to save up a down payment. Assuming you live reasonably, that is still more then enough to save up quite a big chunk of money after a few years. And a dual income couple making that much money (is most likely) either very young – or probably shouldn’t be buying in CV, PQ, MM, etc but somewhere a bit more in-line with their salary ranges.