If you don't mind living in a suburb or rural area, check out USDA Rural Development's direct and insurance loan programs. Both programs require 0 down payment, so you could use your savings for closing costs and/or repairs. There are income restrictions and a debt-to-income ratio. No PMI on either program, but a one-time guaranteed fee on the insured RD program that is deductible. Go to: http://www.rurdev.usda.gov/LP_Subject_HousingAndCommunityAss
and click on the tabs to the right side. The "Find Eligibility" tab works better with Firefox than Explorer. If you decide to buy a home through this program in Westmoreland County, please contact me: Virginia.Stump@remax.net.