Hi Frank,

David was on the money with his answer regarding USDA & VA Loans both having 100% options.

If you're not already working with a Realtor here in Spring Hill - head over to http://www.HernandoLuxuryHomes.com and I'd be happy to help.

-Josh

In many cities there are city and neighborhood revitalization organizations that provide downpayment assistance and grants to first time home buyers. I would recommend contacting a few Realtors in the area you're interested in, if anything like this exists in your area one of them should be able to direct you the proper organization.
http://www.portlandareahomeinfo.com

You can look into USDA and VA loans, there are 100% options for both of them.