There aren't really any "no money down" loans unless you are a veteran. You might qualify for an FHA loan which has a minimum 3% down payment, but will should expect to pay mortgage insurance (to cover the bank if you default). You should talk with an independent loan broker who can work with many lenders to see what is available. You should also see if there is a low income or first time home buyer program in your state that can provide down payment assistance.