There are only a few ways to go zero down now. If this new property is owner occupied you can do a 97% FHA mortgage and have the seller credit you the 3% down through a HUD approved down payment assitance program that will gift you the 3%. But the recent congress housing bill is attempting to outlaw seller paid down payment assitance, so that may not be available.
If you are a veteran you can get 100% financing through VA.
There are many other NON seller paid community down payment assitance programs where I can structure zero down, but your income is too high and excludes your from those.
But even if you can't do zero down, 3% down is still very good.
Give me a call if you'd like to discuss more of your options.
Sr. Loan Officer