I ran the calculator a few ways, it requires a minimum of 10% down. The rate was 6 7/8, a tad higher than can be found elsewhere, that is probably where they make it up. It probably has stricter qualification requirements, i didn’t go far enough into the calculator because I didn’t want to give contact info. PMI goes down as downpayment goes up, between 10-19% down the PMI isn’t nearly what it is with 0-9% down.