As stated below, as an owner occupant if you qualify for an FHA loan, 3.5% down is all that is required. If the property is in a rural area, it may qualify for 100% financing with Rural Development financing.
Feel free to contact me to assist you. I work in the Scarborough/Saco area and I am also an Accredited Buyer Representative.
My contact info is: CJ Dubois-Cote, Prudential Prime Properties, 445 Main Street, Saco 207-615-1663 or email@example.com - I look forward to hearing from you.