Agree, Agree, Agree, and I'l add, mortgage insurance terminates at the point when you have 20% equity so it's not forever and 0% down USDA or 3.5% down FHA are great deals right now with interest rates so low.
For an FHA loan the least you can put down is 3.5%. However there are still a number of Credit Unions who will do 100% financing. If you have access to a Credit Union in your area, this may be an excellent alternative for you.
Depends on the type of loan. FHA requires 3.5%, USDA is still 0% down and conventional is 20% down. Those are minimums, you can put down a bigger down payment if you want to reduce your mortgage payment.