Housing Down Payment Help/Findings

[Brady Sprenger]

Alright I am sure someone has asked this question if they have, please route me to the correct forum.

I currently am looking to buy a single family home(permanent resident) within the next 6 months to 2 years max. I currently have 4k debt and make around 52k a year.

Those are just a few details I can give more if needed. I currently have been looking at the different options for financing a SFH for my permanent residence. I recently got a pre-approval from rocket mortgage for 250k with a 3.5% down payment. I was wondering what others have done if they save up for the 20%, 15%, 10% 5% 3.5% down payment. I am looking for the long run what would be the best option to go with. Knowing in the future I want to invest more of my money rather than throwing all my money at my primary residence. I have read many articles explaining the benefits of putting 20% down such as not paying PMI. Would love to hear what others have done.