Unless you are a veteran of the armed forces (VA mortgage) or purchasing in a rural area (USDA), then you are probably going to need to come up with a down payment.
FHA will let you put as little as 3.5% down AND you can even get a gift from a relative to do it. However, the extra charges for PMI have become pretty steep.
If you have good credit and can come up with 5% down on your own then conventional financing probably makes the most sense..
Speak to a local lender who can look at all the details of your situation and suggest some good solutions.
Best of luck!
Thanks for the question and have a great day.
Somers & Associates, REALTORS