I have a Cannondale CAAD9 frame (their 56, top tube is 57, I ride a 58 road bike) that might fit the bill. It'd be more than $200 as I'd like to sell it as a frameset with the SI carbon (BB30) crankset and an Easton EC90X fork & headset. Other parts available if you want too... send me an email at jeff.moote AT gmail.com if you are interested.
I've just built a motobecane phantom cross for my bro. Frame is perfectly fine for a beginner and for trail/commute/do it all riding. bike island has it for 200 shipped with steel fork.
I am building my wife her first cross bike for road use (we'll see if she starts to get the bug for dirt riding). I got the Scattante XRL for $220 shipped with the sale + discounts at Performance.
These were the cheapest I could find for budget builds that were new. The only other way is to look daily for used frames/bikes locally and on ebay.