Buying a home can be a complicated experience, especially if you are a first time buyer. One of the most important parts of buying a home is simply making the down payment. While many people simply think they should make the minimum down payment and then move on to the next step, it may be advisable not to look at it with such a plain view. After all, paying a higher down payment will decrease your payments down the line, especially since you are paying directly to the principal of the loan and bypassing the interest. Consider making a larger payment, if you can.