I haven't read all the replies, but you can buy a home with no money down in some cases. Google it and see what choices you have.
You also may qualify for a FHA Loan FHA Info
if you're a first time home owner. Or a veteran's loan. Often they allow you to put little down and have a lower interest rate. You may have higher PMI (Private Mortgage Insurance, which insures the lender if you go broke the payments will be made), but when your home is worth a certain percentage of the morgage, the PMI goes away. Have your home appraised after a couple years to see if the value has increased enough.
Apply for a Habitat for Humanity home. You still buy the home, might have to work on it with the volunteers, but it's yours. They aren't always in 'bad neighborhoods'. It depends on where the HFH can buy the home cheaply enough to fix up.
Buy an inexpensive home or condo (obviously) and fix it up a bit to make it suit you for the time being. Homes tend to double in value every 7 years or so, depending on many factors. Sell and use the profit as the down payment for your next home. Maybe your financial situation will improve by then, so a higher mortgage for a 'nicer' home would be within reach. Even an 'ugly' home will appreciate in value, and just while you sit there, maintain it, mow the lawn and keep the roof on it. It's like free money just for waiting.
We're still in our starter home. It's grown on us. It's not the McMansion many of our friends have in the nice, new development full of identical minivans
but it has 3 brs, a big yard and keeps us warm in the winter. And we are not in debt up to our eyeballs for living here. Actually, now it's our only debt, and a tax deduction, and has doubled in value in the 7 yrs we've been here (bought for $125k, worth $265+k). Not bad for just having a place to live! If we were in an apt, we'd still be in the same boat as 7 yrs ago, with no equity.