it all depends if you want to pay or not PMI,the mortgage insurance required from Lenders if you borrow more than 80% of the purchase price.
If you do,you can still put as little as 5% down for conventional loans,if you don't,you have to go up to 15% down or pay some points to the Lender.
Of course,if you don't have a lot of money for a down payment,the best way to go is a FHA insured loan.
I think the best thing to do for you is contact a local Realtor to guide you through the home buying process and to
get you pre-approved in details with a reputable Lender.
If you contact me I will be happy to help you with that.