I know some investors that work in that area that offer their houses via Lease to Own. You may be able to get into a house with as little as 3%-5%. Just remember that NOT ALL HOUSES are LISTED on your MLS!
IT IS NOT ABSOLUTELY NECESSARY TO USE A REALTOR when you are looking for a house (especially a house with owner financing). Realtors try to get you to put 10%+ upfront and some of them even discourage Lease-to-Own deals because THEY don't get paid till the property closes...if it ever closes. Seasoned Investors realize that the more money they receive upfront the better, but ALSO know that sometimes people who are serious about moving into a home these days may only have 3%-5%.
***We DO, however, suggest that you use a PROFESSIONAL (be it an Investor or a Real Estate Agent) that is VERY familiar in putting together Lease-to-Own paperwork. It should be done so that it's a win~win for everyone. Don't be afraid to explore ALL your options and do a little research.
There was a gentleman by the name of Bob Bruss who was very respected in the community, wrote national columns on real estate, and offered quite a bit of information for the general public. You may want to Google his name and search for his articles on Lease to Own's.
Hope this helps out.