Iâ€™m a buyerâ€™s advocate and specialize in helping people buy and finance SD homes together, at one point of contact. The best low down payment program out there is FHA. I can help see if you qualify. The minimum amount needed is 3.5%. I invite you to check out my website for testimonials from other first time homebuyers.
You may find some of these posts helpful:
How Much Home Can I Afford?
Sethâ€™s Awesome Payment Calculator
Market Timing When Buying a Home
Auntie Em itâ€™s a Twister (about a homeâ€™s bottom price)