Unless you're a veteran, 0% down or 100% financing isn't available and is a bad idea, particularly in a market with declining home values. It means the buyer has NO equity, no ownership in property at all. And giving loans to such people is why the foreclosure rate is so high, along with the declining value of homes.
FHA requires minimum of 3-5% down for their loans.
You're not ready to buy. You need to BUILD your credit rating and SAVE for the down payment and closing costs.
real estate attorney