The best way for your to determine which program would best suit your family's needs is to sit down with me and I'll explain all of your financing options. Things to consider are: family size, how long you plan to stay in the home, current and projected income and debts, credit history and cash available to close. We are uniquely positioned to have almost all financing options available to us that anyone could want and/or require.
No. However, the downpayment can be a gift from a relative or non-profit organization, or be borrowed if the loan is secured. The seller can pay for the borrower's closing costs, if negotiated.
There are programs that offer a no-downpayment option and, in conjunction with seller contributions, can make it so that you will not need to spend any money to buy a home. Additionally, I can show you other ways to purchase with no cash.
By answering the questions in my online prequalification section or phone consultation with me. Both can give you a ballpark idea of what price range you can afford. The next step is to get preapproved so that the money you need is already committed to you; this gives you the strength of a cash buyer.