I would recommend you consult with a mortgage lender to see if you qualify for a mortgage. There are FHA programs that allow you to put as little as 3.5% down, you can also have the Seller pay for your closing costs (as part of the offer), including any points you are paying on the loan. There are also first time home buyer programs that offer financial assistance for borrowers if they qualify based on credit and lower income threasholds.
Consider speaking with a Real Estate professional to guide you through the home buyer process and programs that are offered for Buyers.
Best of luck,
David Jaffe-SRES, CDPE