Car advice ?!

This isn't totally pregnancy related but have NO clue what group to put this in.. Lol. Hubby and I are purchasing a new car since we are expecting our first in November and our current car is not very baby friendly. My question here is.. Will car lots turn us away for NOT having a down payment? We've been approved of a loan through navy fed and have a check coming in the mail for $10,000. But I'm curious about the whole downpayment thing.. Is it necessary even though we'll already have all the money for them and will be paying the bank - not the car lot. I've never bought from a dealership before so this is a little new to me. If ANYONE can help that'd be great.. Please.