I am originally from Modesto and have lived and worked here most my life, it's a great place. I'm not aware of any 100% financing options any more, though there were as recently as a few months ago. What you heard of may have been an FHA loan with Nehemiah. This is a typical FHA loan (requiring 3% down) in which the seller "gifts" up to 6% of the home's sales price to a non-profit org called Nehemiah, which after deducting a small admin fee "gifts" the amount to the purchaser. This "gift" covers the 3% down payment, with the remaining 3% covering much of the closing costs. That's probably what you heard of. You end up inflating the sales price by 6% to cover what the seller is indirectly "gifting" to you, but it allows for 100% financing.
UNFORTUNATELY, this program was done away with in a new piece of legislation that takes effect on 10/1/08. So now there is no 100% financing left. The closest thing you have is FHA loan, which requires a 3% down payment. So if you're buying at $250,000 that'd be $7,500 for the down payment. You can still request the seller to pay up to 3% of the sales price ($7,500) towards your closing costs, which may be around $9,000 or so depending on various factors (credit, income/debt/asset info). So $7,500 for down payment + $1,500 of your closing costs that you'd have to pay--for a total of $9,000.
However, most lenders will want you to have those funds PLUS "two months' reserves" (mortgage payment) in your bank account. Then there'll be costs to do the move--especially cross country--and likely some small things you'll want to do to the house before moving in (minor repairs, new paint, etc). So all in all, you should probably plan on having at least $15,000 available for buying before trying to do it.
Hopefully this helps. Again, my team covers the Modesto area and we'd be happy to help when you are ready.
The Lewis Team