If you are a California resident look into a Cal HFA loan, http://www.calhfa.ca.gov
These types of loans usually require 3% down, although I believe that is going to increase to 5% in 2009. Most banking institutions have loan programs for first-time buyers as well. If you have a solid credit score, you can most likely qualify for a good loan package. Best of luck! Let me know if you need help.
There may also be some state and local home loan assistance programs that may be helpful for you if you meet their qualifications. Our area offers no down payment loans to public service employees such as teachers, fireman, police officers, and so forth. There are other programs as well. Make some phone calls.