Thank you for your question. Coming up with a down payment and closing costs while also trying to cover your current rent is the big challenge for most first-timers. But you have options.
1. You may qualify for down payment assistance. Most people who do have no idea that they do, and income eligibility requirements are a lot higher than many believe. Check this out.
https://themortgagereports.com/33553/complete-guide-to-down-payment-assistance-in-the-usa
2. Closing costs are real things -- no one works for free, and a home purchase involves a lot of work by many people. But just because closing costs exist doesn't mean they have to be paid by you. Your lender may cover them if you're willing to accept a higher interest rate. The sellers may cover them if your offer is otherwise reasonable and they are motivated. Most loan programs allow sellers to cover some or all closing costs if they are willing.
https://themortgagereports.com/29154/get-sellers-pay-closing-costs-to-pay-your-closing-costs
And here is an article about no closing cost home loans.
https://themortgagereports.com/20695/no-closing-cost-mortgage-low-rates
Good luck with your home search and your mortgage. Please write back if you have other questions.
