Licensed Real Estate Salesperson
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I would also recommend to check ou down-payment assistance program.
If you are buying a condo and getting a bank loan, although only 10% is required by most condo buildings, most likely your bank will ask you to put 20% down. Plus closing costs for condo are higher and most expensive condo closing items are mortgage recording tax, transfer tax (if buying directly from a developer), title insurance and attorney fees.
It all depends on what you want to purchase. If you are looking to purchase a Condo or Coop you will need the amount of the down payment (each building's requirement varies), some buildings require 10-25% plus closing costs (apprx. 10%). Per Benjamin's comment below. If you are looking to purchase a Single/Multi Family home, you can put as little as 3.5% down with an FHA mortgage, there are also FHA approved Condos that you can also put 3.5% down.
So the answer to you question basically all depends on what you want to purchase and how much you want to spend, you loan officer can advise you regarding your specific situation.
If you would like to discuss further please feel free to e-mail me at firstname.lastname@example.org.