Honestly I would agree with most of the comments thus far and looking into FHA financing. Everyone knows already with the crash of the subprime world it is very difficult to get 100% financing on certain loans like yours. FHA is pretty much the new sub-prime as of now. The good thing is they have great rates and deals. More consumers should take advantage of it...
Additionally, I would look into state grants, bond money, etc. There is alot of state backed assistance out there and it would't hurt to look into it. For example I closed a loan today for someone probably in a similar situation and I was able to offer them 100% financing with a state backed program. And I do them all the time. It's really become my main focus now is FHA and working with first time homebuyers. I hope everything certainly works out for you!