Typically, the purchase of a new home would merit jubilation.

But not among the more than 2,400 adults recently surveyed by NerdWallet, a personal finance website. Almost half the homeowners surveyed said they’d tackle buying in a different way if they ever repeated the process.

The survey found that young homeowners – Millennials and Gen Xers – experienced the highest degree of regret upon completing the purchase of a new abode.

As home prices continue to climb, prospective buyers find it more difficult to obtain the necessary cash to secure a 20 percent down payment, which is required, of course, to circumvent the extra cost of private mortgage insurance.

The median listing price of a home in the U.S. is now $234,900, up 4.4 percent year over year, according to Zillow. Now that the spring homebuying season has kicked off, high demand and increasing prices are paving the way to aggressive bidding among prospective buyers.

Buyer’s remorse is a fact of homebuying, no matter the market conditions. Below are four key things homebuyers reported regretting in NerdWallet’s report:

• A fifth of respondents (three out of 10 Millennials) said they regretted not saving more money before purchasing.
• About three in five of participants said they had regrets throughout the shopping and mortgage process.
• Buyers lament that they didn’t have a greater understanding of the details of the loan recommendations their lender will put together.
• More than four in 10 of those polled who applied for a mortgage felt they were unaware of their scope of loan options.