If your living in the property and using FHA financing you need 3.5% down and closing costs around $7000.. Some of that can be rolled into the mortgage or the Seller can pay them. You really need a mortgage person to walk you through the financing. Realtors are not experts in that area of real estate and the rules keep changing. I recently sent you all the single family homes in West Haven. I would be happy to send you the Multi's as well.
I would love to help you find your next home and answer all your questions.
I can be reached at 203-257-0030