As has been stated, the down payment depends upon the type of mortgage for which you are approved. FHA mortgages are very common at this time. The miniumum FHA down payment is 3.5% of the sales price. While you may be able to include in any offer a request for the seller to contribute toward your closing costs ... often 3%-6% (the specific amount requested may be limited by the type of mortgage). However, there is no way you can avoid the required down payment. Rural Development mortgages require 0% down payment, however, the property being purchased must qualify under this type of mortgage. There are a limited number of areas in north Oakland County that qualify for the Rural Development. Your loan officer will be able to verify by address whether or not the property qualifies. The VA (Veteran) mortgage can also have 0% in down payment, however, you must be a qualified veteran to for this type of mortgage. If you have not already done so, you need to align yourself with a trusted loan officer.
Closing costs vary but in general include: property tax proration, buyer title insurance fees, mortgage origination fees, pre-paid home owner's insurance, etc. Once you have identified a property in which you are interested, your loan officer can prepare a "Good Faith Estimate" of your closing costs and your monthly payment. Of course, remember that closing costs may be offset by the above-mentioned seller concessions if agreed to by the seller.
Good luck in your search for a home!