The government stimulus down payment programs like yourwayhomeaz.com have dried up. The first time tax credit program is over.
There are still 0% down USDA loans available in cities classified as rural such as Buckeye and Anthem. For veterans, %0 down is available. Maybe someone in your family would qualifiy.
Seller's are often paying the buyers closing costs. An FHA loan is 3.5% down. A Fannie Mae loan is 3%. Talk to you lender and Realtor for more information.
Let me know if you have other questions.
Jeff Masich, Realtor