Your state or local housing authority may offer some form of down payment assistance, and many non-profits have programs to help buyers put money down. You can search online or reach out to your state's housing authority to see what's available in your area. Down payment assistance often comes in the form of either a grant or a loan. Loans may need to be repaid, or they might be forgiven if you fulfill certain terms (such as remaining in the home for a specified amount of time).