White Pine Funding LLC has a 1% down program for buyers who do not currently own a home! You come up with the 1% down and the lender will contribute up to $5,000 towards your remaining down payment of 2%. Gifts are allowed for the additional 2% and closing costs. This program does require a minimum 720 credit score, but does not require mortgage insurance! Call us today at 801-365-8180 for more details and to get in your new home sooner rather than later.