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First time home buyer question - changing down payment amount

I am set to close on a property in about 3 weeks. During the various processes of getting the mortgage the loan cost per month has dropped quite a bit (property tax went from estimate to actual + insurance is less than expected).

I'm currently putting 12% down and I'm wondering if I am able to drop my down payment amount to keep some cash for home improvements since i could still afford the monthly payment even with a slightly lower down (likely $10-15k).

I wanted to ask before I call and ask the mortgage company in case this isn't something that is considered a good idea.

submitted by /u/Flagastro
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source https://www.reddit.com/r/RealEstate/comments/n0uspz/first_time_home_buyer_question_changing_down/
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