You should have the choice of conventional or FHA depending on how much you want to spend.
FHA will allow a loan amount up to $423,750 with just 3.5% down BUT the monthly mortgage insurance is higher than conventional PMI.
There are a couple of differences between the 2 programs that may end up influencing your decision like the fact the FHA will allow seller concessions of up to 6% & conventional only allows 3%.
You really should compare each option side by side before you make a decision.
Please feel free to contact me for more information or help.
Senior Mortgage Banker
Peoples Bank & Trust Co.
Coral Shores Realty
Realtor/ Broker Sales