There are no down payment assistance programs remaining. There are grant programs which provide assistance for those who qualify. And there are HUD homes (FHA Foreclosures) which you can purchase with $100 down. VA foreclosures allow you to do a VA loan on the VA foreclosures even if you are not a veteran. VA loans are 100%.
With FHA loans which now require 3.5% down, the 3.5% down can be gift funds from someone you know.
You could search for properties that have assumable loans which allow you to take over the existing loan if you qualify for a loan. Rates would probably be higher than you could get today and you would want to make sure it is a loan you want to assume. Chances are the homeowner has no equity so that could give you a zero down scenario.
You could find a home with owner financing but chances are they will want some money down.
No questions are dumb! To answer "what are you going to do"? Save...Save...Save... and keep clean credit.
If you have any questions, feel free to contact me.
Apply Online: flagstarloans.com/lallison