Different programs have different down payment requirements. There are many programs to choose from and some are as little as zero down. It is also important that you understand the difference between down payment and cash to close. The program may require zero down payment but the loan closing costs still have to be paid for which means you may have to bring money to the table to close. However, sometimes the closing costs can be paid for by the seller. We can work with your offer to buy and build in costs to make there be little or no money out of pocket for your loan.