If he goes FHA, then no down payment.. When I bought my house FHA I had the sellers agree to pay 7%. The house was $168k and at signing I got $1800 in cash back, and I had zero down..
Samurai you need to speak to the girl I used Amy Wolfram, she's on the east side of Cincy. She is a FHA expert/specialist. Her number is 513-317-5484, give her a call and she will go over everything in less than 15 mins..