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I bought my house last August at 0% down payment and the sellers paid 100% for closing costs. Also, our loan has no mortage insurance..so we got VERY lucky!!!
The reasons for our good deal was our income and high credit scores.
U are right, it is a buyer's market so it is a good time to buy a house but important that you CAN afford the monthly mortage bill. Too many people got themselves into a financial mess cuz they didnt consider all the other costs they would have to pay for the house and ended up not being able to afford the mortage.
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~Shel~ 
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