Great question. As a few folks said below, there are a few programs that will allow zero down or $100 down but the most common type of loan for low down payment is an FHA mortgage. With this type of loan you would have to put down 3.5% ($2,800) plus and differences between the seller paid concessions and closing costs. The standard minimum score to get qualified is a 620. Feel free to contact me if you have further questions.