I'm selling a lot of foreclosed properties and some of them are HUD owned. HUD has a really great program for "owner occupants", those buyers who are not investors but intend to actually live in the home. You can purchase a HUD foreclosed home for as little as $100 down payment. And I can get HUD to pay your closing cost so you could get into a home for $100. It doesn't get any better that this. I don't know how long this program will last so you best move quickly. If the down payment is what has been holding you back, your prayers have been answered.