For properties priced between $500,000 and $726,000, only a 5% down payment is needed, and some loans are only 3.5% down payment.
For properties priced at $500,000 and below, there are several loans with only 3% down payment required. Some of these are offered with a credit toward the full appraisal cost.
With so many different programs, it can be confusing to figure out the best one. I would be happy to go over the options that would be best for your situation. Call anytime.