Hunt for FSBO's and work out a lease to purchase option with the owner.
They'll often take only $5-6K down and make your payments a little higher than with a standard mortgage.
Most will credit $200-300 per month towards purchasing the home.
It can be a win-win situation, you can often get intoa nice house for $5-6K down and they have less risk, because they can charge more and if after a year, you're a good risk, can then sell the home and you won't have to come up with anymore downpayments.
http://www.lease2purchase.com/ is a good place to start for info on leasing to purhcase, as well as
http://www.ownrent.com