$0 down loans aren't really available any more unless you a veteran of the military with VA eligibility. 3.5% down is really the best out there right now.

As far as the bankruptcy, you normally have to wait until 2 years past the date of discharge and also demonstrate that you have re-established credit by having at least 3 tradelines with a blemish-free history in the last 12 months.

If i were you I would work on establishing a budget and living strictly by it for at least 3-6 months. And build in savings to the equation as well. Prove to yourself and the lenders out there that you can manage your finances well and at some point you'll be able to buy that home.

Best of luck!

It's probably better for you to rent and save your money for a downpayment. Good Luck