If you are your husband are eligible veterans, then VA financing could be possible and that doesn't require any down payment.
If you are purchasing in an eligible rural area then there is USDA Rural Housing financing which doesn't require a down payment. Some examples of eligible areas around Kansas city, MO would be Excelsior Springs, Smithville, and Pleasant Hill.
Conventional financing requires a 3% down payment.
FHA financing requires a 3.5% down payment (although if you purchase a home being sold by HUD, it may be eligible for only a $100 down payment).
Missouri has a state run down payment assistance program at http://www.mhdc.com/homes/firstplaceloans/ which will provide a 2nd mortgage up to 3% of the sales price to assist with the down payment requirement for FHA financing, leaving you to come up with the remaining .5% of the down payment that FHA requires. There are purchase price & income limits though, see the link for full details.
Hope this information helps. Feel free to ask more questions.
Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans | 949-273-4161 direct