The minimum down payment required to purchase a house is %5 depend on yearly income of the borrower . But we recommend to our client if it is possible to put %20 as a down payment. Because for less then %20 down payment bank require an insurance premium for the Mortgage and the borrower has to pay for that insurance and it is a big amount of money usually ( from %2-%4) of the whole amount of Mortgage. of course bank pay for it first and then add it on the Mortgage.