This may be personal information but if I may ask, why dont you have any money for a downpayment.
On a FHA mortgage a downpayment is only 3.5% down. So thats $3,500 for every $100,000 in sales price.
Do you not have a savings? Reason I ask is because if you do not have a cushion, I do not suggest buying a home at all. Years back the 100% loans are what caused the issues we face with today.
If something happens and you are out of a job, you need to be able to carry your mortgage until you can find something otherwise in 30days you go into default.
Losing a home is only the start, if foreclosed on your credit tanks and buying another home is years away.
Since there are requirements to meet in order to qualify you should discuss with a knowledgeable Realtor or a loan officer about what you need. But, please let me gently echo what Sean brought up: if you don't have reserves, it may not be wise to commit to a monthly mortgage payment until you build them up.
So, DPAP agencies will replenish their supply of money over the next few months. At the same you should be building your cash reserves and working on your credit. If your credit scores are less than 640, you'll need to improve them. The middle score of all 3 bureaus needs to be at a minimum 620 and preferably above 640. For maximum choices, you need 680. Get with a loan officer and find out what your scores are so you can work on them, if necessary. Save up money for down payment, closing costs, cash reserves and for buying the things you'll want to put into your new home.
For down payment 3-1/2% down minimum is required, 5% is better. Don't rely on the tax credit to get your money. You'll also need about 2-4% for closing costs and prepaids when you close. Having 2-3 months of reserves (that's 2 to 3 months worth of monthly payments) in addition to all this will make you look sterling, once your scores are comfortably above the minimums.
I believe you would be best served by starting out with a great mortgage broker to examine what programs you are eligible to use. This way you can do a targeted search for a new home after you know what you are eligible to buy. The home search will be quicker and possibly less stressful for you. I would be happy to recommend a great mortgage broker to work with you on this process. Just give me a call or send me an email.