Contact a good mortgage professional to ask them about down payment assistant programs. Sometimes the City/County offer some as well. If you don't have a mortgage professional contact me and I can give you the names of a few. JCornesRealEstate@gmail.com
I am not sure what you mean by not having the down payment "on the closing bid"........but, if you do not have a down payment....... my best advice is to make a plan for the future, and save up for one.