Oh, the frustration!

So, in the process of arranging for the financing, we have been informed that one cannot get an FHA mortgage with 3% down ($5,250), or a conventional mortgage with 5% down ($8,750),  on a house with anything over 10 acres (and we are talking about 46)... unless, possibly, the house and 10 acres of the land are appraised at the value of the mortgage, which trust me on this, isn't going to happen.  We have been left with the impression that we are going to have to come up with a minimum of 18% down in order to get this property.  That is $31, 500.  Personally, my feeling is if we are going for pie in the sky here, we might as well go for the full 20% and not pay PMI.  So, $35,000.  I'm going to go bang my head against a wall for awhile.