Most lenders will require that you come up with at least a 5% down payment. They would prefer more, but will settle for 5% if that's all you have, especially if you have excellent credit and a stable job situation. Some ideas for gathering up that downpayment:

a. Sell off your assets.

b. Borrow against your assets.

c. Ask your parents. Or another relative. Or anyone.

d. Bring in a roommate or a partner.

e. Rent with an Option to Buy.

f. Look for Owner Financing & Be Creative.

g. Build everything possible into the loan.

h. Ask the real estate agent to lend you part of the commission.

i. Save it up. No, I'm not kidding. If all else fails and you can't beg, borrow, or steal it, you can set yourself up on a disciplined savings plan setting aside, say, $500 a month until you have the money you need. Yes, prices may have risen in the meantime, but you'll be a lot closer to buying a home then than you are now.