FHA Loans are more prevalent today with the shrinking of the credit market.  Here is a link to understand more about FHA Loans and why they are important to you.

http://www.hud.gov/buying/loans.cfm or http://www.fhaloan.com/

With an FHA loan, you could pay as little as 3.5% down.  This may be the answer to your financing question and help you avoid huge after-college debts.