1- Apply for the loan that offers zero down.
USDA loans offers 100% financing mortgage with zero down payment.
VA loans also offers 100% financing with zero down payment.
2- For covering the down payment you must use down payment assistance.
3- Ask for lender credits to pay your closing costs.
4- Aske for seller concessions to pay your closing costs.
5- If it is possible they ask to your family member to pay your down payment.