[icemann427]

As long as you have a solid pre-approval letter from a legitimate lender, your down payment shouldn't matter all that much to a seller. As long as said letter states the amount of the down payment (the percentage of purchase price), you should be good to go in all but the most competitive markets where multiple offers are the norm. Regarding your credit worthiness, the seller is not privy to it, and as long as you have your letter, negotiate away, my son.