If you qualify, the state of California has a loan program called CALHFA that when combined with 2nd loans from many cities or Counties of  California can finance up to 103% of the purchase price of your new home.  This means you will not need to have a down payment and possibly finance your closing costs.  To get more info on the CALFHA program here is the link to the State of California's website  http://www.calhfa.ca.gov/homebuyer/

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