First of all i think u should see whether u like the place or not lo ... like traffic jam or not? environment ok or not? Why the owner selling away his property? do a background check first.

Then, if u r buying from an owner, then start looking for any bank that can give u good rate on the loan ....
Downpayment is depends on which bank u applying lo ... market value of course u have to check on ur own .... owner always tends to mark up the price lo ... and they will bullshit u a lot like they had renovated the house ar ... that's why selling more exp. But normally renovations cost are not added into the selling price if not mistaken.

Hope i had given u some tips ... ... FYI, don't trust me so much, i am also newbie here ... just got my own house recently ... hahaha

All the best to u