There are loan programs for first-time home buyers that only require 3% down and on conventional loans if your credit score is above 760 these funds can be a gift. FHA loans require 3.5% down and these funds can be gifted regardless of credit. There are also KHC loans which offer a down payment assistance program for up to $6,000 which is made as another loan is is payable over 10 years. MOMS can also work to reduce the closing costs to you while negotiating the rate.