If your purchase price is $50,000. or less your maximum loan amount is 98.75% of the price; you would need a down payment of 1.25% of the purchase price.

If your purchase price is $50,000. to $125,000. your maximum loan amount is 97.65% of the price; you would need a down payment of 2.35% of the purchase price.

If your purchase price is $125,000. or more your maximum loan amount is 97.15% of the price; you would need a down payment of 2.85% of the purchase price.
Cash out Refinance:

Your maximum loan amount on a cash out refinance would be 95% of the value of the home.