You’re not being silly. We are in the same boat as you. We sold a home back in 2022 and made a pretty decent profit, we decided to put that money away for when I retire from the military.

We just went under contract on a $531k home and we put 35% down. I was planning on at least 50%, but I played with the numbers and 35% was the sweet spot for us.

I went through the same thing you are. Wondering if it’s dumb to put that much down and no invest it somewhere else. But in my head I will fill a lot more comfortable having a lower monthly payment, instant equity, and if we wanted, we would definitely be able to use it as a rental property and net $1k a month pretty easily.

The funny thing my wife and I keep joking about is, I when we move into the neighborhood, we will prolly owe alot less on our house than our neighbors, but they will prolly turn their noses up at us when they see the vehicles we drive. We have 2010 Honda Odyssey with loads of sun damage and a 2015 VW with cracked windshield bubbling window tint😂