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Contacting professors is something you should handle carefully and fairly. Use conferences and places like that as tools and places to network with Professors. While contacting them, do not just write emails to dozens of them all over the place and expect random replies. Make a list of Professors and labs where you know your skills will be applicable. Make sure you keep this broad. And then contact these people. Be respectful of the fact that thousands of students similar to you will be contacting these professors. So, express patience and leave enough time between follow ups. Make sure your emails stay to the point and do not ramble on for ever. I suggest you build a portfolio of skills on a website. And leave clear contact information. Test your emails before you send them out. Try to use text emails instead of html rich ones, since at least some of them will read them using older unix options. Use a lot of common sense and patience. The following would be a desirable approach when you are contacting a professor after admit and seeking funding under him.
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Depends on locale, but it's going to range from "non-starter" to "plenty of strings attached. " There are certain federal programs that are no money down (for example, I believe the VA has loan products like this). Some municipalities will offer down payment assistance, a portion of which is forgiven for each year the loan is held. Best bet is to simply call around, as the locality-dependent nature of such products is going to require you talk to your local bank or credit union.