Talk to a lender specifically about "Down Payment Assistance" programs in your state. To give you the most relevant options, could you tell me: Are you or your spouse military/veterans ? What state or city are you looking to buy in? Is your credit score roughly above or below 620?
Most $0 down programs require a score of 620 or higher . want to buy a home but no down payment
If you can't get to $0, these options require very little upfront cash: Talk to a lender specifically about "Down Payment
These programs allow you to finance 100% of the home's purchase price. want to buy a home but no down payment