Mortgage Advice, 10% or 20% Down?I am a first time buyer and shopping for a mortgage. I know about PMI if i put down less than 20%. I have excellent credit and just under 20% down saved with little debt. (10k student loans)My plan was to put 10% down and also pay closing costs out of pocket and not roll it into my mortgage. I should have a decent amount left for furniture and small renovations. Are rates completely different when you put 10% vs 20% down on a conventional mortgage?Should i go for an FHA mortgage?Will I have a hard time getting a mortgage with 10% down? Thanks in advance! January 02 2013 - Smithtown00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.