Best of Luck,
Solant Real Estate Services
You can also use the http://www.yoursdps.info to look for homes in all parts of San Diego County.
Jerry Heard - Broker
DRE # 00648687
There is also 1/2 % down-payment program offered by FHA. They only require the buyer to put down .5% and will loan an extra 3% to cover the buyers closing costs.
You can read about the details of this program and many others at my blog on trulia here! http://www.trulia.com/blog/amanda_mitchell/2011/03/san_diego
Not all lenders work with home buyer programs. The county does have home buyer programs, it just depends what you need, and if the program is funded. I can check it out for you if you like, just let me know via phone or email.