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You can borrow that amount using a home equity loan, using the equity you’ve built up in your house as collateral. Then, just like a regular mortgage, you repay it as a fixed monthly payment.

Down Payment: This is the part of your home's purchase price that you pay upfront, not covered by your loan. The amount you pay as a down payment can influence your mortgage interest rate.

Alternative personal loan options include credit cards, home equity loans and buy now, pay later plans. Each alternative has benefits and drawbacks to consider. The right alternative depends on ...