All conforming (standard fannie/freddie) lenders offer 95% financing in certain situations. Obtain a few local lender recommendations, and then contact them to see if their low down payment programs work for you.
Most folks looking for low down payments think of FHA loans. Seller can pay the closing costs and prepaid expenses, and your down payment is as low as 3.5%. One big difference between the 5% down conforming program and FHA is that FHA will accept scores down to 620-640, and conforming borrowers need scores more like 680 for approval with 5% down. FHA does charge both an upfront and annual MIP (mortgage insurance premium), so borrowers need to examine both options with their loan officer to decide which best suits their needs.