20% or more is the norm now. You can't do conforming loans at less than 20% because the PMI companies won't insure the difference any more.
There are some portfolio lenders out there who still do 10%, but the requirements are pretty tight and the rates are outrageous. I think most of those programs will be going away in January when the government enacts the new Qualified Mortgage rules, but not sure.
If I can be of any assistance please feel free to give me a call or shoot me an email and we can go over some figures.
Tony Grech | Mortgage Loan Originator | NMLS #977416
PMAC Lending Services, Inc.
Toll-free (855) 642-4762 ext. 278
Mobile (313) 622-7383