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A Down-Payment Fund Before Kindergarten?

On This Day — October 28, 2026

News and commentary · Checked October 28, 2026

Some parents are thinking about their child’s first home before the child starts kindergarten.

The Coldwell Banker 2026 American Dream Report, based on a Harris Poll survey, found that 82% of parents with children five or younger were saving—or had considered saving—for a future down payment.

But only 14% had actually started.

That distinction matters.

It’s an interesting sign of how early families are thinking about housing costs, even when the home purchase itself could be decades away.

Sources: Coldwell Banker / The Harris Poll

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