Residents of Cluj and Timișoara are currently leading the trend in high down payments when purchasing homes. In Cluj, buyers are taking out the largest loans, with some requiring over 500,000 lei to finalize their transactions. These buyers also possess the financial resources to pay a down payment double the minimum required threshold. Similarly, residents of Timișoara show a high willingness to invest larger initial sums. In contrast, buyers in Constanța barely exceed the minimum down payment accepted by lenders. This disparity highlights the varying financial capacities and market dynamics across Romania's major cities. The data reflects a significant gap in purchasing power between the western and coastal regions.