How much down payment should I have to buy a house?

The days of buying a house with no money down are long gone.  With the economy being so bad and banks still licking their wounds from all their foreclosures you will need at least 5% of the price, most of the time a minimum of 10%, and probably between 20% and 40% to satisfy bank requirements. 
 
There are several programs out there to assist potential home owners and we will add to this answer as we get more input from the community.

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