There are non-profit organizations that will gift you the down payment and closing costs to buy your home so it would cost you "zero down payment". If you do not want to go thru a non-profit, you can put down as little as 1% down payment. A house of $160,000/your down payment would be $1600. Please call me and I can share all the details with you. I specialize in niche products for first time home buyers.
My direct number is (925)354-7475