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I would love to put down less money, but I don't see a way to do in our area.

Depends which towns you are looking at. I'm out in metro west, and $500k buys a very nice house in a town with excellent school systems, so I'm wondering where you are looking.

Also, have you considered School Choice as an option where you might be able to live in a less expensive town and use School Choice to have your children attend school in a different town?
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