Hi Marla and welcome to YT. You didn't specify what you meant by not much cash on hand but I have seen numerous good prices for some babies on here...I'm sure if you look around, you'll find one. Also, if you get a puppy that is more than you are expecting, maybe you can just use what you have now to put down as a deposit as most breeders require & by the time the puppy is ready to leave it's mommy, you may be able to come up with the rest. As long as you know it doesn't stop there and these little babies require continuous spending..especially if you spoil them like most yorkies owners do!
Good Luck and i hope you find one!