I am a Mortgage Broker and close deals all the time where the buyer actually gets their Escrow Check back.
What area are you looking in?
Suarez Home & Finance Corp.
Good luck with your search.
If your income is low, you may qualify for downpayment assistance. Google Affordable Housing and your county name and find a lender on their approved list.
Also Kristine Bredeau with HomeBanc can help you. My client is buying a nice house ($83k) and only has to bring $36 to closing! He did put up $1k earnest deposit once his offer was accepted, too.
If you income is not the problem, then you may want to take the Financial Peace University with http://www.DaveRamsey.com to help you get on the right path.
Or you can get a For Sale by Owner to hold the note, but you really need to know what you r doing..