If you have a 401k account, you have a down payment for your home.
Contact the person who handles your 401k account and ask them about information for borrowing against your 401k. Most 401k plans allow you to borrow against the value of the account. Generally, the max you can borrower is 50% of the current value. This will be a loan borrowed to yourself, because the money you pay back goes right back into the 401k account. I believe the average interest rate you pay on the money borrowed is around 6%.
Lenders allow you to use this money as the downpayment for your home, so take advantage of it. They don’t count the debt against you in the total debt to income ratio and they only ask that you show that the funds came from your 401k account.
This option for a down payment on a home is overlooked all to often.