Next step is to get yourself an exclusive buyers agent (they do not represent sellers in real estate transactions). Someone 100% incentivised to protect your interests only and get you the lowest price on a new home.
Once these two things are in place have your new buyers agent take a look at the property with you and have them do a property valuation to help you come up with a strong offer price based on market value.
Here is a link to agent-level information on the property:
Hope that helps! Good luck!
Try talking to the Springfield Housing Department. They have a first-time home buyers housing assistance program. You can see some information at:
Next, you need a great Realtor and a top notch Lender. Springfield has a number of both.
Sears Real Estate has been selling Springfield Real Estate since 1971. We certainly can help you through the process. In addition, we have a list of great local lenders on our website, see our website at:
Brian P. Sears, Broker/Owner
Sears Real Estate
The obvious is answer to your question is to work with an experienced mortgage professional who can provide you with the most current "no down payment" or "down payment assistance" programs (if any) available. No matter what, you will need a preapproval letter to write an offer on this or any property for don't skip this step!
The "not-so-obvious" answer is, however, is to work with an experienced real estate agent with excellent negotiating skills who MIGHT be able to help you write an offer which requests the seller pay the downpayment. If the other terms of your offer are strong enough, this scenario just might work for you. Of course, you've got to make sure the appraisal will come in high enough. Again, your real estate agent can help you with this.
Best of luck to you!!!!