If you earn too much for the above programs or are not a first time homebuyer then there are other programs as long and you and the home you are buying qualify for FHA financing. Check out AmeriDream or Nehemiah. You can get 3 - 10% assistance toward your down payment using these programs.
Best of luck to you in finding your perfect home and Dare to Dream.
Real Estate Consultant
RE/MAX Palos Verdes Realty