Hi, Elizabeth. A lot is going to ride on whether or not the condo is warrantable or FHA approved. Unless your client is putting down 20%, FHA would probably be the best way to go giving its inherent immediate and long term benefits. However, if the condo is not FHA approved or warrantable, then you're going to have to go non warrantable thru Fannie Mae/CONV financing. Most of the times this may required a min dp of 20%. Good luck.