The down payment is determined by many factors: loan type, credit score, and debt ratios are the most typical. Someone with lower credit might still qualify for the FHA loan, and put 3.5% down, if they meet the debt ratio requiements. If you were going conventional, or perhaps were not meeting qualifying ratios for the FHA loan, your down payment would be higher in order to meet the guidelines of that loan type. Without knowing the specifics of your situation, we can't really say much more.
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