Personal funds you have to finance your real estate purchase: savings, donation, inheritance, pension funds 2nd and 3rd pillar. The pension assets from the 2nd and 3rd pillar are only usable relatively to the purchase of your principal residence. This does not include any costs related to the purchase of the real estate (notary fees, various taxes on withdrawals from 2nd and 3rd pillars assets, etc.).
The minimum required personal funds by the financial institutions are generally 20% of the purchase price.