The Department of Agriculture has a home loan program for rural areas where you can finance 100% of the loan. The great news is a lot of Chester and Montgomery County is eligible geographically for this program. Check out the map below:
The shaded areas are ineligible but the white areas of the map are eligible. You do need to speak with your lender to make sure you qualify. There are income limits based on how many people in your household. This is a great resource commonly overlooked.
You can find more information at their website here.