It is generally accepted that most lenders will require a downpayment of 20% to qualify for a home mortgage. That being said there are other circumstances where you might qualify for a traditional mortgage for much less down if you have an exceptional credit score. Also, FHA loans only require a 3.5% down payment with a 580 credit score or a 10% down payment with a credit score of 500. If you are trying to buy a home with no money down you should check to see if you qualify for a zero down loan through the VA or USDA loan program.