What's the average down payment for a $500K house in California?

In California the norm is putting 20%  down payment ; however some banks agree on 10% 

down on the Jumbo loans with adding the rate and PMI ( Mortgage Insurance) .

With FHA Loan the down payment can be as low as 3% with its conditions. for example in

Santa Clara county the threshold of the home price to be eligible for FHA Loan is around 

$970 k I believe ( A Mortgage agent can correct me if I am wrong?!) 


But the bottom line is that in this crazy seller market, the winner is the one who 

carries more cash and puts more than 20% down payment!!!