The best program available in that location would be FHA or Conventional financing through the Pennsylvania Housing Finance Agency. This will permit you to as little as 3% of the sale price as a down payment with no monthly mortgage insurance. You will have to meet certain income restrictions as determined by PHFA, but that would be your best option for a low downpayment with a lower monthly payment. Feel free to search for homes in Plymouth Meeting by visiting http://www.michaelsrealestateblog.com/idx/city/plymouth-meeting/. You can also learn more about PHFA financing by visiting http://www.michaelsrealestateblog.com/?page_id=32. Hope this helps and feel free to contact me with any questions.