Places to Find a Down Payment

Recent tax law changes now allow a person to withdraw money from an Individual Retirement Account without penalty, to purchase their first home.
Withdrawing money from retirement accounts is an option, but it can be expensive since it may have a 10% penalty for early withdrawal. Income tax will be owed on the withdrawal because it was probably deposited tax free initially.
A gift from a relative that does not have to be repaid.
Savings.
Cash value of life insurance.
Qualifying veterans are eligible for a 100% mortgage with no down payment for their principal residence.
Borrowing against assets that are paid for such as cars.
For extremely well qualified purchasers, there is an 80% first mortgage with a separate 20% second mortgage.
Owner financing