It looks like we’re moving toward a “new norm”: 20 percent down for home purchases — or much higher interest rates if a buyer can’t cough up the full 20 percent. It’s not the market dictating this. It could soon be a government requirement.

What do you think? This sure looks like it could hurt home sales. Maybe it should be 15 percent. But make no mistake: 0 percent down payments have got to go.

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