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I got a VA loan and didn't need a down payment. Only took a couple years for rent to surpass my mortgage, but I wouldn't have been able to save the down payment with ever increasing rent.
For profit lending has always been fucking shit up, that's why Christians forbid it for centuries. (But only if the borrower was Christian)
Of course wealthy Christians just didn't lend money rather than lend it interest free, but it was still better than letting an 18 year old sign up for 80k in debt it'll take their whole lives to pay back.
I was pleasantly surprised to learn that a similar, perhaps in some ways better system exists to this day in the world of Islamic finance. It's far from perfect and has plenty of real-world flaws and downfalls, but it was cool to learn about the spirit and morality behind it.
https://en.wikipedia.org/wiki/Islamic_banking_and_finance
I'm pretty sure Islam split when Christians still couldn't charge interest.
It'd be kind of neat how the Abrahamic religions evolved if there werent so many people killing each other because they support the exact same god in slightly different ways.