I don't know of any lender that will do a jumbo without equity in the home. Most are at least 20% If you can get a 10% down that's great! If you own the lot some lenders will allow you to use that as your equity- or if you bought the lot prior and still have a mortgage on i,t they may allow you to use the appreciation in the lot value towards equity down.
I feel an informed client makes the best decisions regarding their real estate needs. Let me know if I can be of assistance.
Broker Associate, GRI, SFR, NHS
Real Estate Consulting, Marketing & Sales
Prudential Tropical Realty
2539 Countryside Blvd #3 Clearwater, FL 33761