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Highly unlikely!I think you have 2011 confused with 2005.The rules have changed!
There are different programs to assist for your initial deposit (downpayment) . VA loans are 0 down, USDA loans are 0 down and there is State bond Money assistant for downpayment in a home up to $180,000.00.Call me and I will give you more detail on these programs and assist you on any concern you might have in the buying process.Luz E. Garcia
As stated below Pfha could be a good option. I always forget about this loan but it's a good product if you qualify. They buy their rate locks in bunches. The last bunch they bought was before rates started creeping up so the rates are really good right now.
Assuming you want to buy in the city, then your only option is if you're a veteran. USDA is not eligible in the city.
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For Sale: $465,000
For Sale: $435,000
For Sale: $650,000