From the experience of friends who have bought luxury homes lately, you should have a down payment of 50% cash, and 100% gets you the best deal, of course.
A loan for a modest suburban house? Fugedaboudit.
It’s easy to get financing for most people. It’s what I do for a living.
My brother got a mortgage for a new 2,000-2,000 square foot house in south Shreveport. It evidently was a struggle and required a bigger than expected down payment. On the other hand the interest rate is very low.