Attending the Willamette Neighborhood Housing Home Buyer Education http://(www.w-nhs.org
) can give you some access to down payment assistance programs, as well as grant programs. These are limited by geography to some extent, but you may find them helpful and the information you'll learn in the class will help you in so many other ways.
FHA loan programs can get you into a home with as little as 3.5% down payment and some of the foreclosure homes actually offer other financing options (one is called Home Steps) that offer a 3% down payment and assistance with closing costs.
Working with a knowledgeable agent, and a mortgage professional that you like and trust can get all your specific questions answered in ways that you are SURE to understans.