If you are a veteran, no down payment is required. FHA is a low 3.5% and you could receive a gift for it. Firsttime homebuyers qualify for down payment and closing costs assistance from some cities and counties and lenders when programs are available. Look them up online or call. Fannie Mae, HUD & Feddie Mac have 3% down mortgages for their foreclosures. Before you look for a home, sit down with a good mortgage broker and learn your options. Don't forget to consider property taxes and the high cost of homeowners insurance which affect your affordability and monthly payments. I would love to help you, but you would have to come to Broward. All the best!