HML, is this common?

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Ok I know I will need a HML to purchase a house in need of work. I also know it isn't uncommon to get repair cost also to draw from. But is it uncommon to have a large down payment, like 1/2 the repair costs? I know I would get the money back in the end, but it still ties up money in the front.

This house I'm looking at needs 20k of work, so I'm looking at 10K down. It's doable, but I would rather not use that much of my funds. that leaves me about 8k to use with the draw and any holding costs. The company said they always require 2k down period, regardless. Are all HML like this?