-USDA Financing - up to 100% financing for Rural Properties (no mortgage insurance).
-VA Financing - up to 100% financing and must be a Veteran to qualify (no mortgage insurance)
-FHA Financing - up to 96.5% financing with mortgage insurance.
-Conventional - up to 95% financing with mortgage insurance; otherwise up to 80% conventional but can get a second lien to get up to 95% LTV with sufficient credit.
Hope this helps.
There are also ways to creatively finance--often with owner financing. Generally, agents are less comfortable with these and, really, if you can afford to buy conventionally you probably should. However, other options requiring far less than 20% down (though it's all negotiable) are traditional owner financing, lease-options, lease-purchases, land contracts, contract for deed, wrap mortgages, and land trusts. There are drawbacks and risks to some of these that you may not encounter in a traditional purchase, but they may be worth considering.
Hope that helps.
lf you're a fan of http://www.DaveRamsey.com and want to WIN financially you will wait until you have 20% down and then only buy as much as you can qualify using a 15 year mortgage.
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