I'm not exactly sure what you mean? There are various loan scenarios that you may qualify for. The best way to know for certain is to contact a lender and ask them to get you pre-approved. Likely, you may qualify for an FHA loan will require 3.5% down payment (under $2500 for this property). If you need me to send you the name of a great lender, just let me know. Otherwise, you will also need to pre-qualify with Wells Fargo Home Mortgage is you decide to submit an offer on this home. Should you want to do that, I would be very glad to assist if you are not already represented by Realtor.
I have a very good strategy to maximize the cash that you have so that you can limit the amount that you spend to buy this, or another, home.
Brent Rice, Trulia Top Recommended Broker (Pro & VIP)
The Rice Group, Inc.