Rafael, Realtor's are not experts on numbers as far as what your payment would be. I highly recommend you talk to a local lender and ask what the minimum down payments would be for different property types. Your payment varies dramatically depending on the type of loan program you have, down payment, and your credit profile. Do you have a local direct lender such as Chase, Wells Fargo, or Bank of America? Even a small credit union in your town may be able to help you.