Speak with a local lender - you have options. 20% down is always best but with our prices here in Cape Coral starting to go up somewhat I can see why you wouldn't want to miss out on a great deal while trying to save more of a down payment.
Feel free to contact me if you have other questions or if I can be of assistance with your home search.
Terry McCarley, RealtorÂ®, CDPE
Jones & Co Realty