Buying a home in the United States has become even more complicated. In August, the typical down payment reached $70,000, which is more than 6 percent higher than last year, and nearly 20 percent higher than in January.

Over the past six years, the average down payment has tripled and now accounts for nearly 19 percent of the home price — the highest level ever recorded.

This shows how rising prices, limited supply, and strict lending rules are shaping the housing market.

For many people, homeownership is still a goal, but achieving it now requires more savings and more patience than ever.$TRUMP