There are many options still availible for those with little or no money down for a home.  You can use traditional financing with a 3 or 5% gift for the down payment.  Your can use the FHA programs with a 3% or greater down payment.  Or you can use the Rural Housing p[rograms depending on where you would like to buy your home.  Call me at 801-253-HOME or email me at Kelly@utahsmortgageguy.com for my details or to get pre-qualified.