Awkward situation with down payment, need advice

Hi everyone. I'm struggling to figure out whether or not I should put a down payment up.

The variables are:

1. 60% disabled vet, married, ~$360K household income before taxes 401k etc, and $100K cash in savings
2. Sold my last house which had a VA loan so {should be} fully entitlements
3. New construction $600K townhouse in a {mild pace} growing area closing end of year
4. Planning to keep 10-15 years and sell once ready to move

At the current market, I am being offered 5.250%. I'm assuming fed cuts by end of year will net me down to 5%. My closing costs are effectively covered through lender and seller incentives, so $600K really is the bottom line price. About 1.3% property tax, $1,600/yr in home insurance.

I just can't figure out if I should put a down payment. I've skinned this in so many ways. Trying to see what y'all would do, or did if in similar situations… At 2.5% on my last house, it was a no-brainer. Monthly payment all said and done is like $3,980, putting down 10% would bring me to $3,750. What would y'all do? Is it even worth putting anything down for just 10-15 years of house? Assume that my career is stable for these 15 years.

Thank you 🥹