There really is not a NO MONEY way to buy a home!!!Down payment assistance, Florida Bond, USDA, VA- so many loans that we advertise as no money down! I sell to a lot of single moms and first time homebuyers and these programs are great for them. However, I make sure my marketing and discussions provide a more realistic picture for a home buyer. Sure, the loans are 0% down payment, but please note that there are other costs you must be prepared to pay UP FRONT when buying a home:1) inspections- building, wdo, mold, septic, roof, etc....these can range from $95-$500 each. Be sure you talk with your agent about what inspections you are going to need and want.2) appraisal- in our area the appraisal must be paid for up front now and the average price is $450.3) earnest money deposit- most sellers want a buyer to show good faith by putting up some kind of earnest money when entering into contract. $500 might do it but $1000 is more common4) closing costs- often a buyer can ask a seller to contribute to their closing costs and this is negotiated as part of the deal. However, with the current market full of short sales and bank owned, if they do contribute the limit is usually 3% of the purchase price.BEFORE getting your hopes up....talk with an agent about what it will take. There are programs out there that allow very little out of pocket expense- I recently had a client close and he only spent $549- but you have to plan on investing some money!October 03 2011 - Orlando0YesReport 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.