There are several programs which the answers below described. However, if you have no money for a downpayment then be very cautious about buying. Sure they can finance you up to 97% on an FHA, and there are grants, but keep in mind that there are closing costs and common charges on a monthly basis to take into account. And what about life circumstances? If you lose your job, or someone falls ill and you can't afford to pay the mortgage, do you really want to go through a foreclosure/bankruptcy process. It's just my two cents but I really disagree with the notion of buying anything if you have nothing at all set aside. This will likely be the most important and largest financial decision you will ever make. If you're really sick of renting then consider moving to a cheaper place and putting some money aside for a downpayment, or an emergency fund in case you do make a purchase. I've just personally seen too many examples of people who are "sick of renting" that find themselves in a hole about 7 months later.