I want to buy but don't have a down payment.Did you know there is a great program out there that helps you buy a house with zero down payment, zero closing costs and zero fees? Not only that, it offers a mortgage at a fixed below market rate for 30 years. Best of all, its not credit score driven, meaning you don't need perfect credit. Lastly the program is HUD approved and has been around since 1988.Of course, there is a catch (isn't there always?) The catch is you must live in the house as your primary residence AND you can't currently own a house or be on the title of another property with anyone else. Why haven't you heard about it? I don't know. They operate in a number of states across the US but not every state and not every city.[self promotion deleted by Zillow moderator]Heather PeckRealty 360[deleted by Zillow moderator. Please see our Good Neighbor Policy for posting guidelines]September 21 2012 - Las Vegas00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.