It would depend on how your loan is set up I guess because these days (I think) you can borrow 100%.
We borrowed about 85% of the total contract amount, so the first $10,500 came out of our own money (and in a way, this counts as our deposit)
We have the first progress payment which will be due soon. The MAJORITY of that will be our own money, (*sniff*) and the bank will cover the difference.
Then all of the remaining progress payments will just be from the bank.
Hope that helped answer your question.