[casralad]

>be as creative as you wish

I don't think this is an area where creativity expands the existing options. If you have a stable job you will likely be approved for a mortgage. It might not be enough of a mortgage to afford a home in the city or even state that you want to buy. People who buy houses very young usually have generational wealth, even if it's just a parent who co-signs the loan.

Down payment is useful but not necessary. I've bought several houses (just one at a time) with $0 down payment.

FHA loans exist to help lower income people become home owners.