USDA LOANS AND VA LOANS are the two only loan programs that offer 100% financing. FHA LOANS require 3.5% down payment. Income is not the only factor. Need to count debts. Minimum monthly payment that report on credit bureaus needs to be added. Take the sum of all minimum monthly payment, including your proposed PITI and divide it by your gross income to get your debt to income ratio. FHA allows up to 56.9% DTI.
Gustan Cho NMLS 873293