80/10/10 mortgage MA

[Ariel Lisogorsky]

Hey there BP mortgage experts, I am trying to buy a property (2 family, in MA) with one unit being owner occupied. The seller insists on 20% down in the offer. My mortgage broker is offering an 80/10/10 loan. Can this be technically considered  an offer of 20% down, since the mortgage is for 80% of the sale price?

Thanks in advance!

Ariel