Ready to make an offer on that perfect house? Before you do, you’ll need to look at your finances and determine exactly how much cash you can initially put toward a house — also known as a down payment. But before you fork over that chunk of change, make sure you have all your questions about down payments answered. Find out how your down payment can make you more desirable in a bidding war, how to get down payment assistance, and what to do if you can’t put down 20% (hint: that’s what PMI, or private mortgage insurance, is for!). Trulia also helps you know how to pay for a down payment with a gift, as well as creative ways to save up far in advance of actually house hunting.