We offer a 1/2% down payment FHA program with a 580 FICO. If you qualify, you get 3% down payment assistance and must contribute at least 0.5% of the purchase price. Other costs to purchase include an appraisal ~$450, home inspection ~$400 and you will have to pre pay your annual homeowners insurance premium and the lender may require a property tax installment to be paid (if closing near April or December).
Sounds like you really need to seek information from a local, experienced Realtor that will coordinate your facts and interest with an knowledgable lender in your area.
Let me know if I can help.