There are 3 low down payment choices that are becoming popular with buyers.
FHA - 2.25% down
VA - 0% down must be a vet with eligibility
US Rural Development - 0% down - house must be in an eligible area
check USDA website with address, most metro ares are excluded, suburbs may not be
FHA is 2.25% down ...and their loan limit maybe up to 362k for your area.
VA is zero down..and goes up to 417k
I would go with the FHA as the rates are as low as 5.5% Today
Your best bet is to contact a knowlegable Loan Officer or Mortgage broker. I always reccomend a particular Officer at Wachovia mortgage. He is currently closing 1 near 100% deal with no MI, and another 100% deal with 0 MI. His link is below