Jennifer - it is not possible to "dream too big". It sounds to me like you are taking all the right steps. I would recommend that we evaluate your situation and see what should be done and in what priority. There are still a number of 100% loans available and a number of sellers who are willing to assist with closing costs. You can provide confidential information at http://www.FinancingAtYourFingertips.com
and a thorough analysis will be done to determine your options. I have helped hundreds of people get into their first home. If not today, perhaps just around the corner, a home of your own is certainly not out of the question.