How about 0% down with seller's concessions? That is if you qualify for a VA loan.
Next in line with the least amount of down payment would be Homepath mortgage with 3%. You also have USDA loans, FHA loans and I'm sure many many more. You should be speaking with a mortgage broker who has access to many different types of loans and they can pre qualify you before you begin your search.They are the experts who deal with these questions daily and can guide you to making the correct decsion for you.
Now if you are looking for an expert in residential home sales I can help with your search in New Paltz, where I reside and have an office. I'd be able to provide you with many resources and represent you as a buyer's agent.You have picked a perfect time to buy while rates are low, home prices down and many available. It's the perfect storm!
Four Seasons Realty Group
We're open 9 to 8 every day.