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If you've been in the military, VA may be an option, as Justin mentioned. Otherwise, the route to go in most cases is FHA with a down payment grant if you qualify for one of the bevie that are available across the country. In most cases that equates to no money down or as little as half a percent (the one I use the most is a 3% grant, leaving half a percent for down payment). Also there is a no money down program on REOs which I'm not all that familiar with yet.
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