Depends upon the loan programs in which you meet the qualification criteria. If you are a veteran with a VA loan entitlement, then you may be able to qualify for a no-down payment loan. If you are purchasing an owner occupied primary residence, you might qualify for a 3.5% down payment FHA loan. If you are a police officer or a teacher and want to purchase a home in the area you service or the school district where you teach, there are HUD owned homes you can purchase at a discount and use a HUD loan program. Spend some time Googling these topics, then talk to your bank's loan officer about what they offer.
