While theoretically you may rationalize the higher the loan amount the higher your monthly payment will be, there are mitigating circumstances to consider such as what type of return I would receive on my investment and how will various loan products impact my goals and objectives. It is highly advisable that you consult with a professional that will objectively provide you an opportunity to look at all sides of the picture prior to making a decision.

Determining what type of loan amount or how much of a down payment you are going to put down on a new purchase is a totally subjective decision. Each person needs to take the time and analyze there current financial status and consider their future goals and objectives when making such a decision.