Try going to http://www.naca.com
It is a non profit agency that does not require a down payment or closing costs. I am currently in the process of buying a home through them myself. The program is not income based or credit score based, so it does not matter that you have good credit or how much money you make. If you have 5%-20% to put down, then that is great! However since this non profit pays for your down payment and closing costs, you can use that money to "buy down" your interest rate. The more money u are able to put down, the lower your interest rate will become, which will allow you to have a manageable mortgage payment. Even though the company pays your down payment and closing costs, you still would have to pay other fees such as inspection fees, prepaid mortgage insurance, etc. Still a good deal if you ask me! There is a maximum purchase price of $367,000 which they will not exceed, so if your desired purchase price does not exceed this amount, then I would definately encourage you to check out the program. Another stipulation of the program is you can not currently own another home (I guess to deter home flippers from profiting from the services of the program). If you wanted to purchase other properties afterwards, they do allow that, however the property purchased through their program has to be your "primary residence"....Check out the site and see if it is something that can work for you. Good luck !!