My fiance and I are currently looking into whether to buy a house in the Dallas area around when we get married early next year, or to wait a year before buying. One of the factors in the discussion is the down payment amount. At the start of COVID, it seems that many lenders tightened their standards to strictly require 20% down for conventional loans. Has this loosened at all since? For context, both of us have excellent credit if that affects anything down payment-wise.