A program is probably not a good option. However this may be the time to contact a seller directly. Agree upon this years market pricing and then have them hold the mortgage until an agreed upon time you can refinance under your name. A serious seller will want a down payment and you will still need an atty to hold the closing as well as be responsible for the cost of that up front vs rolling it to a mortgage. You will also be responsible for all repairs as well as taxes/fire taxes. It’s doable I bought my own home this way at the end of the last housing crisis. Was able to refinance it into a VA mortgage when our home in Virginia finally was sold. Unfortunately as a first time buyer this year you would miss out on the great grant program that’s available right now. Work with a local mortgage broker to see if they have something that works for you it may be an option.