If you have a big enough income. Buy another house and rent this one out. That way you have some income from rent to help pay this off. AND you get the house you want to live in.
I would check to see how much rent you can get for this house and how much of the payment it would cover. The advantage of renting is in time the house will be paid off, at least partially by a renter. The disadvantage is the rent may be to low for your expenses and you have to deal with a renter and still manage the maintenance of the house.... more
Lots of options. Others here will mention FHA with seller contribution, Nehemiah, AmeriDream, and any local programs in St. Paul. A good mortgage broker can advise you on those.
Further (not a plug) I'm finishing an e-book on how to buy without getting a new mortgage. Most are no (or little) money down. Among them: subject tos, lease-options, lease-purchases, deed for trust, wrap mortgages, and equity sharing. Even borrow the commission from your Realtor.