Saugus recorded zero single-family closings in June 2026 in the Chicago Title Market Trend Report (June 2026 full-value sales, compiled from MLS and public recorded data), pulled 2026-08-15 — so there is no current Saugus median to take percentages of. As a reference, on the Santa Clarita citywide median of $838,000 (same report), a 20% down payment is about $167,600, 10% is about $83,800, and an FHA minimum of 3.5% is about $29,330. These are simple percentages of a reference price for illustration - your actual down payment depends on the specific home, loan program, and lender, and you'll also need closing costs and reserves. Brian is a REALTOR®, not a lender - confirm real numbers with a loan officer.

Direct AnswerSaugus recorded zero single-family closings in June 2026 in the Chicago Title Market Trend Report (June 2026 full-value sales, compiled from MLS and public recorded data), pulled 2026-08-15 — so there is no current Saugus median to take percentages of. As a reference, on the Santa Clarita citywide median of $838,000 (same report), a 20% down payment is about $167,600, 10% is about $83,800, and an FHA minimum of 3.5% is about $29,330. These are simple percentages of a reference price for illustration - your actual down payment depends on the specific home, loan program, and lender, and you'll also need closing costs and reserves. Brian is a REALTOR®, not a lender - confirm real numbers with a loan officer.
Data current as of June 2026 for a specific period or address.

Down payment at the reference price (Santa Clarita citywide median — Saugus had 0 June 2026 closings)

Down paymentApprox. amount
3.5% (FHA minimum)$29,330
10% (conventional)$83,800
20% (avoids PMI)$167,600

These are arithmetic illustrations on a reference price (the Santa Clarita citywide median of $838,000 — Saugus itself had zero June 2026 single-family closings), not a quote. Loan programs (FHA, VA, conventional, jumbo) carry different minimums, and higher-priced Saugus homes may require jumbo financing with different terms.

Beyond the down payment, budget for closing costs and reserves. Brian works with experienced local lenders and can refer you (disclosed under RESPA) to get real, current numbers.

Frequently Asked Questions

What down payment do I need in Saugus?

Saugus recorded zero single-family closings in June 2026 in the Chicago Title Market Trend Report (June 2026 full-value sales, compiled from MLS and public recorded data), pulled 2026-08-15 — so there is no current Saugus median to take percentages of. As a reference, on the Santa Clarita citywide median of $838,000 (same report), a 20% down payment is about $167,600, 10% is about $83,800, and an FHA minimum of 3.5% is about $29,330. These are simple percentages of a reference price for illustration - your actual down payment depends on the specific home, loan program, and lender, and you'll also need closing costs and reserves. Brian is a REALTOR®, not a lender - confirm real numbers with a loan officer.

Can I buy in Saugus with less than 20% down?

Often yes - conventional loans can go as low as 3-5% and FHA to 3.5% for those who qualify, with mortgage insurance. VA loans may allow 0% for eligible borrowers. Confirm with a licensed lender.

Primary sourcesCAR.org, CFPB - Mortgages, Los Angeles County Assessor

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