I know of two positive options for you situation.
1. If you are a veteran (or if you're married and your spouse is a veteran) with V.A. benefit, you can still get 100% financing.
2. If not, then you can check into an FHA loan. FHA still allows Down Payment Assistance through programs like Genesis. Your realtor or mortgage professional will be able to bring you up to spped on these types of programs.
Please try and avoid "Hard Money Lenders" for your purchase. You may be able to qualify but the rates are not good and there can be some risky terms associated with these types of loans.
My best advice is to ask someone you trust (someone with great credit) who they would seek out for mortgage counseling if they were in your shoes.