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VA loans, as stated in another answer, can be zero down no closing costs. Your Realtor should have also counseled you concerning seller paid closing costs. That is always an option!
Might want to call him and see what that option will net you unless the P&S Agreement is already signed.
If it has been signed then you'll probably have to provide the closing costs at closing. Sorry, don't know of any free government loans for closing costs and gifts or loans generated to pay closing costs can be a serious issue with the VA as well.
Sounds to me like you need to have a serious discussion with your Realtor!
VA loans are as close to a free mortgage as you can get because VA eligible borrowers are not required to have a down payment. However, there are closing costs, lender fees, title/escrow fees, prepaids, etc that are required to be paid as a condition of getting a loan. Up to 4% of the purchase price can be paid by the seller towards these fees, if negotiated in your purchase contract. So, while you VA eligible borrowers can purchase a home with $0 down, borrowers still need cash for closing costs and the like.
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