Photo: Roger Starnes Sr / Unsplash. Illustrative stock photograph; not a property or company discussed in this article. The down payment used to be the buyer’s problem. Now it is a family project. Among parents with children age 5 and under, 82% are saving or have considered saving for their child’s future down payment, according to Coldwell Banker’s 2026 American Dream Report, conducted with The Harris Poll. Fourteen percent of those parents have already started, according to HousingWire’s report on…
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82% of Young Parents Are Already Thinking About Their Kid’s Down Payment. College Is Now Second.
A Coldwell Banker survey finds parents considering savings for a child’s down payment, highlighting family funding, co-buying and gift-letter questions.

