Actually with the new FHA rules its 3.5% but there are a view 100% programs still out there give me a call and I will be happy to explain.

Angie - your best bet is to talk with a local real estate agent who will refer you to a local lender. Together, they can give you a good idea of what to expect. In general, there are no more federal programs that permit purchasing with no money down, so the least is 3% of the sales price ($200K home = $6K down). But, that is using an FHA loan - which is easier to use in some markets than others. Also, an agent can tell you if you can expect to be able to negotiate assistance with closing costs, or if you'll probably have to pay that at closing, too. Email me with your contact information, and I'll be happy to suggest a local agent to assist you. vchrisner@kw.com 703-669-3142