When Lending Money in the Form of a Mortgage on a Home

When lending money in the form of a mortgage on a home, the lender requires a down payment in order to

A) make sure only those people who have a commitment to owning are qualified.
B) make sure that there is a safety margin in case the value of the house falls and the mortgage exceeds the value of the home.
C) hold it as a security deposit, which is returned when the mortgage is paid off in full.
D) apply it toward the first year's mortgage payments.