Currently all FHA mortgage loans require a 3.5% downpayment.  If you’re fortunate enough to fall in love with a HUD owned home for sale, you can get in with a $100 if you intend to occupy it as your principal residence.  You have to otherwise qualify for a FHA loan but there’s no need for the normal down payment requirement.  Check out the “Frequently Asked Questions” form on HUD’s website for more details.