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There are several programs that require little to no money down one of the most popular low down payment would be FHA loans that require 3 1/2 % down payment as far as closing cost you can ask for seller participation or perhaps wrap it into the mortgage if allowable... Additionally, different areas have Rural programs that are still offering 100% financing. One local bank in the Western MA area just came out with $10,000 assistance for buyers that qualify to purchase with $1,000 towards closing cost so there are programs out there you need to see your local lenders to see what is available in your area. the program I mentioned, Buyers need great credit and income not to exceed a certain amount I believe depending on family size. Best of Luck to you; see your local Realtor for help they will usually the best local programs available.
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