I am a lender and I also buy property. I always have the buyer pay up to 6% of my closing cost. In most cases my true out of pocket cash is less then $1000.00 or so. Denny 100 % loan at prime +3 is high is that intrest only. With great credit your would qualify for a 70/30 NOO program. I have done two in Florida and one in Georgia.
my fico is 601, i am not sure if that is good
Need a fico above 700. But you should qualify for an 80/20 but will have a higher rate. Just keep looking. Work with a good lender or broker.