Owner Occupy with Lowest Down Payment

[Joseph Micheal]

Hi All, 

Im looking to owner occupy a duplex property and keep as much cash in my pocket as possible. 

I have spoken to a few bank and brokers who have told me its 3.5% for FHA or 15% for conventional.

Are there any products available to pay only 10% and still go conventional? FHA seems like a headache!

If not possible, my other thought is to go the seller assist route.   

Thanks for your thoughts!

-Joey