There is no easy answer to this question. The higher your down payment, the
less interest you will pay over the life of the loan. However, interest on
mortgages is tax deductable, and a higher down payment would mean you would be
giving up that potential tax savings.
The answer to this question oftentimes is determined by your current
financial situation: e.g. just because you have the funds for a large payment
doesn't always mean you should withdraw funds from current investments to make
it. The best advice we can give is to consult with a financial advisor or tax
consultant, allowing them to review your situation and advise you.