Types of mortgage loans that help with down-payment?

Okay, so my family is looking to buy a home while the interest rates on mortgage loans are still low (and before there is another shooting in the apartment complex we live in). We are diverting nearly every penny we can spare into saving for a down-payment, but it seems like every time we have nearly achieved our goal, something comes up that forces us to dip into our savings (car repairs, medical emergencies, a funeral).

Is there a program or bank (in Utah) that offers down-payment assistance with mortgage loans? Even if I had to come up with $ 1,000 as part of a condition, that is still far more doable than the 5% or 10% of the home value. If you can, please include links to websites.

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