Cal HFA is a first time home buyer program that help you with downpaymen and closling cost.
USDA also allows 100% financing for qualified home buyers - this is a home buyer programs but must have low - mid income and will have to buy on specifice communities such as Perris, Sun City, Menifee, Romoland.
FHA allows the downpayment to come from a family member 3.5% down and can all be gifted.
Let me know if you have any other questions.
I have been working with an agent, and should be asking him, but wanted to research the internet to see what I could find out myself.