What Is A 80 10 10 Mortgage Loan Avoid PMI and keep a low down payment.| Logix – 80-10-10 Mortgage – The 80/10/10 mortgage loan is available on purchase transactions of owner-occupied, primary residence, single family homes, condominiums, PUDs, and townhomes only. 10% down payment must be from borrower’s own funds (gifted down payment not permitted, however cash reserves and closing costs may come from gifted sources).Conforming Vs Non Conforming Loan Deferred Student Loans Fannie Mae Plenty of Conventional Conforming Updates; A September Hike? – A recent Wells fargo funding news flash had updates on programs are now available such as the removal of its policy overlay on student loan payments. wells will follow fannie mae or Freddie Mac.