First thing you need to do is talk to a good lender who works with these programs ALL the time. For many programs, the lender needs to attend courses and receive affirmation from the program that the lender is permitted to process such programs. So, it's important to talk to more than one lender.
Many buyers just go to their bank. But, many banks don't do these programs, so they might encourage buyers to steer clear of them. That's not in the buyer's best interests.
Let me know if you need some recommendations for lenders who are qualified to work these different programs.
I know if you find a trusted realtor, you will do very well and be well-advised as to how much you can afford, the process, and the ttransaction. Liz, 612-986-4105
The short answer is maybe. There are numerous DPA (down payment assistance) programs available. There are other programs that may work for you as well such as NSP, CASA, City Living. These vary by area and usually have upper and lower income limits. You must have a FICO score of 640 or higher for most of these. Some can be grants, some are no interest second mortgages. There are programs like NSP where, if you are eligible, you may purchase a home for as little as $1000 down.
Your best bet may to be speak with a Realtor or Mortgage professional who specializes in what you are looking for.