Yeah, I put 20% down on mine and it was a breeze even being self employed for years.
Here's a trick - almost the minute you close on the house, take out an HELOC. There's no fee for appraisal since you have a recent one right there in front of you. This way if times DO get tough, you can tap into that w/o having to prove income all over again (and of course, if times get rough, you don't have a lot of income to prove....). I did this and it's nice to know that I can tap into that $$$ any time with nothing more than writing a check
