Based on the type of loan your lender secures for you the down payment can vary for an FHA loan 3.5% up to 20% on a conventional loan. The closing costs a good rule of thumb is like 3% of the purchase price of the home. The key thing to do before you get looking really hard at homes is to get pre-qualified by a local lender. That way you do not waste your time looking at homes that you can not get a loan for. Give me a call at 559-410-0481 for more information.