You may have a couple of different options.
FHA requires 3.5% down so you're pretty close.
Another option, if you can find it, is to purchase a HUD owned/foreclosure which would allow you buy with an FHA loan with just $100 down.
Depending on where you want to buy, a no money down USDA mortgage could be an option.
The down side here is that the home has be located in an eligible area and you have to meet the county income limits. The out skirts of Vacaville are eligible which you can see here: http://eligibility.sc.egov.usda.gov/eligibility/eligibilityA
There are some great benefits in addition to the no money down aspect.
The USDA program has lower monthly mortgage insurance when compared to an FHA loan and it also allows you to roll your closing costs into the loan as long as the appraised value supports it.
Feel free to contact me if you would like more info or have any questions.
Hello, there are still the FHA loan programs out there that have a 3.5% down payment program. But act fast because loan guidelines are getting more strict. They usually require a 640 fico score and a two year job history. If you need to talk to a lender, click my on profile and I can get someone local who can explain the whole process. If you don't have an agent yet, feel free to check out my website at http://www.mygpsagent.com and you can search for homes there. I also have a step by step buying guide that explains from start to finish.