10% down payment is the standard on a residential home. There are many programs that can get you in a home for lower than 10%. If the area you buy in qualifies for a USDA loan, the down payment could be 0%. Usually, a lender will want to see at least a few years after a foreclosure before you buy again.
Talk with a mortgage consultant for all of your options. A mortgage consultant will normally offer you a free consultation. Good luck to you