There is no possibility in this market for a buyer with low down payment. Prices are rising. Appraisal does not hit the value and buyers need to punch in more money in order to get the home at the offered value. Sellers are not going with the appraisal. My advise to you will be go and buy a brand new home and contact their lender as you will need to take approval from new home lender any way in order to be on their priority list. Seriously it will save you a lot of time.
Google for new homes in the area of interest. Some of the builders are: Shea homes, Standard Pacific, Lennar, Pulte, Meritage, and so on.
Please refer me as the source of information when you buy your home I will highly appreciate and will offer something in return.