If you are planning on owner occupying please visit the CT Housing Finace Authority at http://www.chfa.org/default.aspx
Right now there are some federally funded options that are available but there are limited funds. New Haven and Hamden are both considered "target areas" and have down payment assistance options also available. Please don't hesitate to contact me if you need further information.
I am a bit concerned, however, about the lack of savings. When you purchase a multi family, you'll need to make certain that you have what I call a "vacancy buffer." In other words, you really have to plan to have a cushion so that if the rented unit becomes vacant for any length of time (I suggest 6 months) that you'll still be able to afford your mortgage, taxes, insurance and utilities.
Being a landlord can be very rewarding both personally and finacially. I work with first time investors and owner occupants and would be happy to talk you through the process just to make you comfortable that this is the right move for you.
John Proto, REALTOR
2620 Whitney Avenue, Hamden, CT
A Connecticut Licensee
I would also love the opportunity to assist you in finding the property that is right for you. As an investor in multi family's myself, as well as having assisted clients buying and selling them, I could guide you through the process.