With the housing mortage crisis I doubt you will find any lender willing to loan you the money without a down payment. VA loans...loans for people in the military will allow you to purchase without a down payment.
And as someone mentioned...there are more costs than just the down payment involved. It is possible to find sellers who will pay the closing costs...especially now.
There is a program called VHDA...which is a first time home buyer's mortage program run by the government. You still get the mortage through a mortage company...but you fill out an application specifically for this type of loan. The interest rate is reduced. It must be your first home, and you must reside in it....meaning should you decide to move...you are not allowed to rent out this property...not without re-financing. There are other stipulations...such as your income and net worth to consider also.
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