There are several options available to you. Two most common options are purchasing a home with 20% down and a conventional loan or FHA loan with as little as 3.5% down. There other option in between these scenarios also.
Depending on your income (for both of you) and areas that you may be interested in, there are additional programs available. You can use DAP (Down payment assistance programs). These are normally very low cost loans from cities and counties. There are also programs to assist you with your closing costs. Then there is MCC which has an effect of reducing your tax liability, allowing you to purchase a bit more. ( I am not an accountant- please consult an accountant and the MCC program for actual Tax ramifications)
All of these additional programs have constraints and requirements (Income level, where you can buy etc). I would strongly recommend talking to a Mortgage Lender who can review your situation and then advise you of programs that you may qualify for. If you are interested in these additional programs, then it is imperative you talk to someone who is very knowledgeable about these programs.
There are numerous lenders out there to choose from. I would highly recommend Misty Leonard w/ Wells Fargo. Her information is listed below should you need it.
NMLSR ID 439727
Wells Fargo Home Mortgage | 15105 Concord Circle | Morgan Hill, CA 95037
Tel (408) 776-2490 | Cell (408)-802-5533 | Fax (866)-673-6819