GREAT QUESTION. !
If you are purchasing in an eligible area , you may be able to get a rural housing loan, which alllows for 102% financing with seller assistance permitted for closing costs.
Please feel free to contact me if you would like help in qualifying for a loan. I am a direct lender, specializing in FHA and USDA financing.
Best of Luck
Jackie Pulcano, SVP
United Mortgage Corp