I am a mortgage broker in Irvine, and I can tell you that there are a couple pf programs that have 100% finanicing still available.
If you were in the military, a VA Loan would work out well for you.
Also, there are SEVERAL cities in San Diego County that USDA is eligible for as well, with 100% finanicing.
I would recommed you sit down with a trusted Mortgage Broker and discuss your options.
I am a mortgage broker. If I can be of service, please let me know!
877-238-6324 Ext 704