There are many options for you as a buyer, and I have worked with different lenders over the years, but I have learned one thing, the more complicated and less down payment you have, your odds of getting your offer go down drastically.
We have a very competitive market with not a lot of inventory, your offer needs a strategy and a Realtor with the right relationships. Also, don't expect your offer to get accepted if you (on top of 0 down) go below asking price.
Hector R. Gastelum
Realty Executives Dillon
You need to ask that question of a local mortgage professional who can check your personal qualifications for available loan programs.
For a no-down-payment loan program you will have to have special qualifications such a qualifying low or below-average income or Veteran status for instance. A brief discussion with a local mortgage professional will allow you to determine what mortgage alternatives are available to you.
I am sure that one of the San Diego area agents could recommend someone to you.
Just remember, even if you obtain 100% financing you still need to consider your closing costs, home inspection fees, appraisal, home owners insurance, and taxes into your budget so that you are able to purchase.