You can also obtain an FHA loan if the property is eligible and that is 3.5% downpayment with up to 3% in closing costs to the buyer. I also have lenders who have a 5% downpayment on a conventional loan.
You can not receive money back at closing. The only credit allowed on a HUD (closing statement) is a closing cost & pre-paid credit.
I hope this helps!
You do not have to put down 10% to get a mortgage loan. There are loans available with Zero down (USDA & VA) and 3.5% down (FHA). Based on your zip code you may be eligible for a USDA loan, assuming all other guidelines are met. Have your mortgage person look into that option for you.