If you can't get to zero, these options offer very low entry costs and can include repair funds:

For those who don't qualify for government programs or want to flip the property: How to Buy Foreclosed Homes With No Money | New Western

0% down for homes in eligible rural areas, provided you meet income limits.

These programs allow you to buy certain foreclosed properties with 100% financing if you meet eligibility requirements:

Available for veterans and service members with 0% down; can be used for repossessed properties.

Down payments as low as 3.5% that cover both the purchase price and renovation costs.

Provides special financing for Freddie Mac-owned foreclosures, often with no mortgage insurance required. 💼 Investor & Creative Strategies

For first-time buyers of Fannie Mae-owned homes; offers up to 3% closing cost assistance and low down payments.