There are programs out there, but seems you have a great start regardless, money down and no debt. If you like your $650 rent payment you can probably afford a $65,000 to $75,000 house comfortably. So add that to your downpayment and you could go up a bit in price.
Definately talk with a local lender, they are there to help! They can tell you exactly how much they are willing to lend to you, but in turn you can tell them what you are comfortable with paying per month and they can give you those numbers as well. I always figure $100 per $10,000 of home price to kind of gauge where your payment will be...but take into consideration or taxes and interest rate..but it should be close!
There are some great houses out there in that first time buyer range so dont be scared to look into it more!
Any other questions feel free to contact me.
Mortgage calculators, unlike a "live" mortgage professional, do not know other questions to ask you to determine if there are other considerations and compensating factors to help identify solutions to help you.