Unfortunately Kathy, there's not a ton of options but there are some. I would guess you've exhausted any options such as borrowing on a 401K? that's usually allowable for the down payment on a mortgage. There's some programs that allow you to buy without a down payment, but there are many restrictions on condition of home and sometimes location. Suggestions would be Key Bank, whom offers 100% financing, or USDA. USDA would be a "farm home loan" which is offered in rural areas, and restricts the location where they'll loan so you have to visit their site. I think Home Street Bank might also offer some opportunities. You can go to a short series of classes at the Portland Housing Authority where you can find out what programs are currently available, who has funding now, etc. as there are some community funding sources, such as down payment assistance program in Clackamas County, and I think Gresham has some funding as well. There's always "gift" funds from a family member or friend. Then all you would need is closing costs (which is generally another 3-5% of the purchase price) and that can sometimes be negotiated into the sales price.
It's like negotiating a maze sometimes, and if you're serious and ready to make a commitment of time and energy, it can be done! if it was easy, everyone would do it but many don't have the dedication to make it happen. IF you want it, there are ways if you can be flexible on area and price. I recommend that you find a lender you trust who can help you through the maze, as well as a Realtor who works with first-time buyers (like me!)
Lastly, there's a wonderful resource by my local Realtor association (hownw) where you put in the area where you want to live, and some other minimal info, and it will come up with a list of programs you might qualify for.... I would start there and I've put the address below. Follow the link and you might get some answers right away and a place to start your search for the right solution for you! I wish you the very best, and of course, I can get you all the websites and resources for the programs I mentioned earlier. Contact me directly and I'll be happy to help more. Best to you, Marge