I have 20% to put down on a home. Says no one in general. The 20% down payment is enough to scare some prospective homebuyers who ought to know that it’s clearly not a hard and fast rule. Some buyers can get by with 3.5% or 5% of the purchase price on a home. It’s a matter of finding a loan program that offers financing beyond 80% and weighing the costs and benefits of going after it. Not All Makes a 20% Down Payment LA Times recently described the 20% down payment as all but dead. The report iterated that…