5% conventional loans
3.5% FHA Loan
VA is zero if you are a Veteran.
There are several first time home buyer programs out there depending on the city you want to be in Denver has a very good program as does Aurora.
Conventional 10% down would be 17,500
FHA 3.5% down would be 6,125
There's also CHFA and similar programs which require 1,000 down.
Then there's a program in Denver and Littleton which gives you the down payment and it cost you nothing.
contact me if you would like more details.
thank you for your time,
Tim 303.522.2960 or email@example.com