Even if you get a 100% loan through a program like USDA, you are still going to need to bring closing costs, which can be thousands of dollars, into this transaction. Unfortunately, you are not in a position to buy. You have to find ways to save save save for this. I sold a house to a young couple who hated renting, so they put a picture of a house in their wallets, so every time they went to buy something, they would have to look at that house picture and decide what was important. They had two cars, but one was an old, not so pretty clunker. Since it was older, if something needed repaired, he could do it himself. They took second jobs, did staycations, severely limited any unnecessary spending, and got themselves ready to buy a home. I just ran into them in a store recently, they are just thrilled with their house. They had to make sacrifies, but they did it. And that is what you are going to have to do.