You can have your dad be on the mortgage with you to help qualify using a couple different programs. The first is an FHA loan which has a 3.5% down payment requirement. It's commonly called the "kiddie condo" program, to allow a parent to co-sign with their children who are away at college and need an affordable place to live. It mixes all income & debt payments together to determine what you can qualify for, and the down payment can be provided by the parent as well, gifted from other family members, or even a personal loan from family could be given. The other is a conventional loan program which has a 20% down payment requirement, would be further away from 0% down.
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