100% is not so bad.... just if you can make an extra payment every year makes a huge difference. Or put down an extra $100/month... something like that. If you can put 20% down.... that is great because you won't have to pay for the PMI
(for us about $60/month wasted). But if they offer you 0, 3, 5, 10% down etc., go for the low one.... it makes a very nominal difference in your monthly payments. For example: ours is a $150,000 loan. We put down 3%.... if we had put down 10% it only made a difference of $15 dollars per month over the 30 year loan.... so we pay a little extra.... it all makes a difference.