Congratulations on starting your journey! Depending on your credit and income, there are cash grant down payment assistance programs, and ways to negotiate so that your closing costs are covered. Just a few weeks ago I had a client who closed on a home and had only the cost of inspections and the appraisal out of pocket. If you are interested in first-time homebuyer or investment programs, I recommend calling Vince Kingston at Eagle Home Mortgage. You can reach him at 971-221-8525 and he can walk you through what you can afford, and the loan process. Calling a loan officer is an important first step because it sets the boundaries for what homes you can look for.
There are a wide variety of opportunities out there, and once you know what you can afford you may be able to either expand your search, or be highly competitive. Let me know if there's anything else I can do to help...
Licensed Oregon Broker