i need help pls
Lenders consider loans made with a down payment to have less risk because the down payment gives the borrower some equity, or ownership, right away. Down payments are typically in the form of cash.

Think about a time in your life when you wanted or needed to prove that you were invested in something—possibly a project, a team, or even a friendship. In what way did you show your commitment and ownership? How was that similar to the way a down payment is used in a lender-borrower relationship?