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There are several home ownership programs that allow qualified buyers to buy a home with a small down payment.
You may of purchased a home before and are presently renting or maybe you are a first time home buyer and need a way to break into the housing market. There is no reason currently to hold back because you thought lenders required 10%-20% down. If you have good credit, not necessarily excellent you may be able to get into, or re-enter the housing market. Interest rates remain VERY attractive and remember homes are "On Sale". Many areas of the county are 25%-50% below what they sold for just a couple of years ago. Government backed loans such as FHA and VA have made homeownership possible for hundreds of thousands of families and individuals. These programs may just be what you're looking for to fullfill your dream of owning a home.
Why pay your landlord's mortgage when you can be building your own equity and your financial future?
Zero Down Option
VA
This is 100% financing on a first mortgage loan is available on VA loans but subject to current limits. These loans are excellent and in many cases the funding fee is waived in the case of a buyer disability. A VA loan also allows seller to pay closing costs.
FHA -These options allow you to finance 96.5 of the purchase price, FHA
You can finance up to $417,000 with only 3 1/2% down payment.
This is a just brief over view of the programs available. | 
