As has been the case for the past year and beyond, saying it’s a sellers’ real estate market is a gross understatement. While conditions have cooled from on-fire to sizzling, the case remains that those who lack deep pockets and a fierce competitive streak are not in any position to purchase residential property.

And it’s even more brutal in Dallas, where house hunters need more money down than they would in most other cities across America.

Typically you’ll put down about 20% of the home’s purchase price when bidding on a home, but that number keeps increasing, according to researchers at Realtor.com who have Dallas at No. 10 on the most recent list of metropolitan areas where you’ll need the biggest down payment if you hope to stand a chance at that dream home.

“In competitive markets, having a high down payment can help your offer stand out. Sellers like them because they’re more likely to go through to closing,” says Realtor.com Chief Economist Danielle Hale. “That doesn’t mean that everyone can do so. Generally, you see them among older homebuyers who have more equity from a previous home they can use.”

In Dallas, where the median home price is $396k and the average down payment is 19.4%, many buyers are coming in from higher-priced metros in California or New York and have that extra cash from the sale of their homes, according to Realtor.com’s Clare Trapasso. Jobs are bringing many to the area as companies such as Toyota have moved in in recent years, notes the analyst.

Since the area is so competitive, sellers like to see larger down payments, real estate broker associate DeLisa Rose, of Dallas’ eXp Realty, says. Buyers also like to avoid paying private mortgage insurance, or PMI, if they don’t have down payments of at least 20% of the purchase price.

“The more a buyer puts down, the stronger they appear on paper,” Rose tells Trapasso.

Cities in Florida, California, Idaho, Colorado, Hawaii, Massachusetts, New Mexico and Oregon join us on the high-downpayment top 10.

Lower down payments are more likely to cut it in McAllen, Texas, along with cities in the Carolinas, Louisiana, Tennessee and Mississippi.