A great source of down payment assistance is CALHFA’s CHADAP program. Most loan programs only lend up to 97% financing right now. This program finances the other 3% at a really low rate through the state of california, with no additional closing costs. Here’s some highlights of how to qualify:
-Must be a first time buyer
-Buying in California
-Minimum fico score of 620
-Income under these limits:

     1 person household= 45,200
     2 person household= 51,700
     3 person household= 58,100
     4 person household= 64,600
     5 person household= 69,800

Of course, you also need the first mortgage, the 97%- I’d be happy to see if you qualify to buy you’re first home. Check out my website http://mortgage.bankofamerica.com/SOMMERMOUSER