No, no, no. If you can't afford a generous down payment, you can't afford a house. Home ownership is EXPENSIVE. Things break, like major systems such as heat, AC, plumbing, electric. Taxes have to be paid, insurance has to be paid, everything costs more than you expect. Please don't buy a house which you will end up losing as you can not make payments and pay all the expenses. Why in the world would you consider buying a house when you have no down payment? Get a second job, start saving like mad, and when you have 20% down payment, then look at houses.