I was amazed the people who bought my first little house had 2 mortages on for teh principle and one that covered teh downpayment. You should NEVER borrow your downpayment. That’s insane. And you get what you ask for.
the house was only $90K /sigh
When I bought my first house 25 years ago I had to show 12 months of bank statements to prove that I didn't just borrow the money for the down payment. Things certainly have changed.