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For a lot of people looking through a mortgage for a new home, possibly, the largest area of concern is actually coming up with funds, in order to cover the down payment. This is commonly the biggest lump sum paid throughout this process, and some buyers.

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The Villages is a census-designated place (CDP) in Sumter County, Florida, United States.It shares its name with a broader master-planned age-restricted community that spreads into portions of Lake and Marion counties. The overall development lies in central Florida, approximately 20 miles (32 km) south of Ocala and approximately 45 miles (72 km) northwest of Orlando.

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A down payment serves this purpose in two ways. First, it puts some of the risk on you instead of placing it all on the lender. If you fail to make the payments on your loan, you lose that down payment. The second reason for a down payment is that it reduces the amount owed in case the lender has to repossess the car.

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