Your first step is to get pre-qualified. If you have a good relationship with your Bank, that would be a good place to start. Speak to the loan officer there and he or she will qualify you as to how much you can afford for your first home. Also, if you need financial help your city/county may be able to assist you with Bond money programs they may have. Seek out a Realtor in your area and you will get all the help you need to guide you through the maze of purchasing your first home. Good Luck!