I have to admit it is tough if you do not have any funds to put towards the purchase. There is something called a Flex Down mortgage but you need to come up with the financing yourself - could be a Personal Line of Credit perhaps. Some municipalities will offer DP assistance. I did a couple in Orangeville a few years ago. Maybe one near you might offer the same. I would go to city hall and ask them if they have a down payment assistance program or if they know of one in a nearby municipality.