How would a bigger down payment be beneficial to borrowers? a. A bigger down payment is only beneficial for a person applying for a home loan. b. A bigger down payment is essentially a bribe to the dealership, guaranteeing a few extra bells and whistles for free. c. A bigger down payment means that the borrower has more money, and can afford a bigger loan. d. A bigger down payment is money paid toward principal, interest free, which also decreases the amount paid monthly.