If you credit scores are high enough and this will be your primary home, there are mortgage products out there that are "conventional" (FNMA and FHLMC), rather than FHA, that allow for 10 percent down with 90 percent financed. In fact, one of my clients just got this very loan last week for a home they purchased up here in Northern California.
To learn if you can get a similar loan, contact your trusted mortgage broker for more information. The loans are definitely out there in California and are available to those with the proper credit scores, however, please keep in mind that you will be required to pay for mortgage insurance (or "MI") because the down payment is less than the required 20 percent.
If you cannot find someone down there in SoCal to help you, please send me a note, and I'll give you the name of the individual who did the work for my client up here in Northern California. Typically, a lenders are not restricted by geographically, so the same lender who handled the loan for my client may also be able to provide you with a 90/10 loan in Van Nuys.
Grace Morioka, SRES, e-Pro
Area Pro Realty
San Jose, CA