I would speak to a Mortgage Lender in Texas (I used to live there).
If you would like a referal, let me know. I know a great one.
I do believe that it is closer to 30-40% for foriegn nationals now for down payment.
Ph (480) 220-7491
Fax (866- 711 8573
Keller Williams - Scottsdale, AZ
2008-2009 Master of Real Estate award recipient
ABR, GRI, ePro, CNE, MRE, AHWD