There is a website that aggregates down-payment assistance programs from across the country. There are just under 2,300 assistance programs in the U.S., but most counties have between 5-20 programs, depending on your circumstances and the types of homes that qualify. The company is Down Payment Resource and RealtyTrac claims the average down payment assistance is $11,565.
Down payment assistance can take several forms: credits for closing costs or low-interest loans that are forgiven the longer you remain in the home. In addition to down payment assistance, the Federal Housing Authority that purchases mortgages lowered their down-payment requirements from 10% down to only 3%-down mortgages.
To see if you qualify for one of these programs, search their website at:
http://downpaymentresource.com/are-you-eligible/
Or get more information from RealtyTrac:
http://www.realtytrac.com/news/realtytrac-reports/down-payment-assistance-analysis-q1-2015/