If you applying for a FHA loan you would need to put down 3.5% of the sales price that you and the seller agree to. If you are going conventional it would be different. You would really need to speak with a lender which I would be more than happy to help you with. Please feel free to contact me if you have any other questions.
Let me negotiate directly with the new home builder's on your behalf. My reputation with Builder's is that I am one agent they expect will be asking for more than what they will offer. If you preview any