Should you keep renting or buy a home?

I don't have any savings or access to a lump sum.

While there are an increasing number of zero down payment programs, you will also fact Closing Costs and many other one-time expenses as a homeowner. Insufficient savings may not prevent you from buying a home but it is a strong indication that you may not be prepared for the ongoing financial requirements of homeownership.
If you want to be able to buy a home in the future, we suggest that you start an aggressive savings plan. If you have a plan and stick to it, you'll be surprised at how quickly your savings can add up!