It actually can be done if you're an eligible VA mortgage buyer but like Kary said it can be a little tough to get sellers to pony up the extra money you'll need to do it.
Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.
Please feel free to contact me for more information or help.
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
Apply Online: https://secure.smartapp1003.com/102471/?loanofficerid=106115