There are some 100% financing programs out there--very few but VA & rural development are 100%. however,realize that this is not "free' money--the amount of what you would have put down is added to your loan & you will pay interest on this--making your monthly payments higher than if you had put some initial equity into the purchase. Also you will need a good credit score,2 yr. work history & sufficient income to meet not only the monthly note but taxes,insurance & maintenance. Do you have sufficient reserves to take care of things if the roof or AC needs replacing? If you are in good shape with the things I have mentioned,then sit down with a reputable local mmortgage broker and discuss your options.Also be aware that if you have no equity in the house,you can get into deep trouble if you need to sell & the house depreciates. you can end up owing more than the house is worth.