There’s no one golden answer to this. Are you buying this property as an investment and use as a rental, then yes go ahead and use the bank with your lowest down payment as possible, which in turn will increase your ROI cash, since tenants will be paying all expenses, mortgage, and principal pay down, and remaining amount is your positive cash flow ! But if the answer is no, and will use the property as your residential home, then it’s a definite no. You don’t have enough money for a down payment, how would you expect to pay for property taxes, insurance, and contingencies? That’s horrible financial discipline in the making!