Hello, there are still the FHA loan programs out there that have a 3.5% down payment program. But act fast because loan guidelines are getting more strict. They usually require a 640 fico score and a two year job history. If you need to talk to a lender, click my on profile and I can get someone local who can explain the whole process. If you don't have an agent yet, feel free to check out my website at http://www.mygpsagent.com and you can search for homes there. I also have a step by step buying guide that explains from start to finish.