: A popular choice for "fixer-upper" REOs, these loans allow you to roll the purchase price and up to $35,000 (or more for full versions) in repair costs into a single mortgage. While not strictly zero-down, down payments can be as low as 3.5% for those with a credit score of 580 or higher.

: This program offers first-time buyers up to 3% in closing-cost assistance and may require as little as $500 in earnest money.

: If you lack capital but have a lead on a great deal, REsimpli suggests partnering with investors who provide the funds in exchange for a share of the eventual profit. Critical Steps for Success