The days of 100% financing are gone. If you're are interested in buying a home you should have a minimum of 5% down, unless it's an FHA loan then 3% for your down payment. If you have more for a down payment then even better. However, if you currently do not have a down payment then I would recommend that you wait for a year and save your money for your down payment. That way when you buy your home you will be in a much better position and will not be working just to make your mortgage payment. Best of luck!