The Federal Housing Administration (FHA) insures the loan, and allows a buyer to purchase a home with as little as 3.5% down. They tend to be more lenient in areas such as credit, funds to close and co-borrowers.
No down payments!
The US Department of Agriculture Loans are designed to provide financing for properties outside metropolitan areas. Many homes inside the city limits will not qualify, but many of its surrounding communities will.
If you are active or duty or a veteran, VA mortgage loans are one of the best methods to use when buying a home.
The loan and sales contract can be set so that the financing covers 100% of the price and the seller covers the closing cost.