The lack of cash is a challenge in buying a home - but it can be done if you really, really want to find a way. Only VA loans offer 100% financing today, FHA loans require at least 3% down. However, you may be able to structure an offer in a way that you get some assistance from the sellers (a credit at closing). Your first step is to consult with a competent loan officer - I know a great one if you are looking for a referral. You can reach me at 808-381-6848.
Cindy Siok, RA
RE/MAX 808 Realty