Dear Monty: Our New Year’s resolution for 2022 is to save up a down payment to buy a home. We are not clear how much money we need for a down payment. We both have suitable stable employment and have rented since we married over four years ago. Now we want to start a family. How much money do we have to save to buy a home? Monty’s Answer: There are some variables built into your question. Here is a list of variables to consider in establishing a saving goal dedicated to your down payment. No. 1: Where You Live, or Where You Want to Live According to World Population Review, Hawaii’s typical home cost is the most expensive at $1,158,492. The lowest-cost state for housing is Mississippi, with a usual sale price of $114,500. The other 48 states are somewhere between these states. The difference in down payment requirements …