I"m not sure if I'm reading this right but, you may want to verify with the lender that they are allowing you to purchase the property as a "Second Home" located in 19154. You may live in 19154 and buying a shore or mountain house.
In short, show up at the closing table with enough money to close and no one cares.
If your loan is approved nobody will care. If your loan is denied and you only applied for a 10% down product, you may not be able to invoke the mortgage contingecy clause in your contract,.
Also rather than paying monthly PMI you can save a considerably by paying one time upfront mortgage insurance. For example, paying either 1.4% upfront fee or 0.375% higher rate and you will not have to pay monthly PMI. You may find it suits your budget better. I'd be happy to quote you on that program.
Cornerstone Lending Inc
Southampton Pa 18966
215 953 0800
cell 267 992 7276
VOTED BEST IN BUCKS 2010
Charles Balducci 215.531.2000
Coldwell Banker Preferred (Avenue Arts)