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During the recent lending crisis, brought on by the unregulated lending of the boom period, lenders have become phobic of taking any risks.  Thus, most lenders are requiring larger down payments, often 20% or more.

If you do not have much cash to put down, consider FHA financing.   FHA has raised their conventional loan cap (temporarily) to $729000 and FHA can require as little as 3 1/2% down if you qualify.   Check it out as an option.  FHA is making loans possible for many people who could not have found a loan six months ago.