Here are some additional thoughts. Buying a house with 0 down is possible through a few ways, but the question Debbie raises; "is it wise" comes to mind. A few years ago 0 down with low credit scores was easy and common. Then, the mortgage world blew up and we've been in the mess we have now.
The current environment is not just due to easy financing, but it was a major component. With little invested, buyers had little to lose if they just walked away when things got tough.
Having some savings, for unexpected costs, repairs and upgrades is a great place to start. Having some down payment will keep your mortgage costs lower in most cases and allow you to gain equity quicker as the market improves.
Finally to answer your question, VA for veterans, USDA for rural properties, Key Bank has a 0 down program through its branches and it may be possible to do a lease/option from a seller directly.
Each of these options contains limitations, restrictions and risks, but I hope this helps get you started.
If the answer is "no", I suggest you save up money before buying a home.
Owning a home in more involved than simply paying the mortgage, taxes and insurance. If you don't have a cushion for unexpected repairs or personal emergencies, you might find yourself on very thin financial ice.
Most financial advisors will tell you to have a minimum of 3 months monthly expenses in the bank...some might suggest having at least 6 months.
In any event, even if you can find a way to buy with no money down......make sure you're protected by having funds in reserve.
And.........if you have any credit issues.......you really should focus on improving them, along with saving money, first.
There's also owner financing. Most owners will want some down payment. But it's certainly negotiable, and there are owners who won't require a down payment.
Hope that helps.
The problem with all of these is that there are closing costs, so you do have to have some money. Also, the requirements for the condition of the property with these loans is usually higher than what is available.
Thirdly, this is a very competitive market. Few sellers will be comfortable with a person who does not have a large down payment.
There may be a ray of hope for you; it is a very tiny ray, but nevertheless;
If you are a first-time buyer,
If you have lived in Menlo Park for at least a year,
And if you qualify as low to middle income compared to other M.P. residents,
you may qualify for a City sponsored program called PAL.
Talk to a local Realtor who will direct you.
This program loans you the down payment with very special terms.
Good luck and may God bless