Joseph is correct. There is not a bank in the world right now that would lend money with no money down.
That being said, as a first time home buyer, you might qualify under FHA financing criteria depending on the price of the home. FHA allows down payments to be gifted, so if you could come up with 3.5% downpayment, then you probably could with your credit score.
When debt is being considered, they consider your minimum monthly payments on items that show up on your credit report only. (Cell phone, electricity, water, cable, etc. does not count). If you would like more information on financing, I have a great loan officer that I use that I would be happy to refer you to.
If you have any questions, please feel free to call or email me anytime.
Brian Rayl, REALTORÂ®, e-PRO
Keller Williams Elite Dallas Park Cities