You say you are a buyer and seller and a first time buyer so I am confused. Are you particular about buying a house or should it be a foreclosure only.? There are homes that are good buys and they are not foreclosures. There are 100% financing programs applicable to properties in parts of Bucks County. You need to sit down with a lender and see what you qualify for. You will need to use part of your money .
You can go to http://www.hud.gov
for information about buying a home, and lenders and loan counselors.