Zero down payment loans are pretty much a thing of the past. However, it won't be called a zero down payment loan, but, what is happening is basically the same.
Let's say you are purchasing a home priced at $150,000. You offer the seller, let's say, $145,000 with the seller paying you back at closing $5,000 for closing costs and pre-paids etc.
So, what you are doing is financing $145,000 on a $140,000 purchase with no money out of your pocket.
Pretty much the same thing in my book.