There are still 100% financing programs out there, but your income is only one piece to the puzzle. Your credit and cash reserves will be scrutinized as well. It also matters whether that combined income can be documented, as stated loan programs are not as readily available as they were two years ago. Lastly, the price of the house you wish to purchase will be a factor. Jumbo loan rates (above conforming limit of 417K - in most areas) are relatively high right now compared to conforming rates. If your price range requires Jumbo financing (or blended financing), it will diminish your borrowing power and make qualifying a little more difficult. Good luck.