You can first check with your bank(s) usually they have some type of first time home buyer programs. The other types the other Realtors have mentioned House Charlotte, NACA are organizations that usually cater the people with lower incomes but they are great organizations that help people, they get them ready to purchase a home and will help pay closing cost. USDA is another loan type they do 100%, but, in order to be eligible: household income must meet certain guidelines. Also, the home to be purchased must be located in an eligible rural area as defined by USDA.
As another Realtor mentioned there other ways, you can negotiate with the seller to pay part or all of your closing cost, all depends on the offer. If can answer any other questions, please feel free to contact me anytime, Good Day!