There are several options out there for first-time buyers, some that come and go. It would take sitting down with an agent or a loan officer to figure out exactly what is best for you. You probably do not qualify for down payment assistance of any kind because of your income. FHA requires 3.5% so that could be your best option. If you can come up with 5% you can save some closing costs because conventional financing is cheaper but you need at least 5% down. There are other factors to consider as well: time on the job, credit score, debt ratios, etc. I counsel all of my clients on what I think is best for them before we even start looking at homes.
Mike (first answer) said you should use an agent that has a lot of experience with first-time buyers. I agree. Almost all of my clients are first-time buyers AND I only work with buyers so I've got more experience with helping buyers than most agents. I done hundreds of transactions, all with only buyers. I am VERY familiar with the areas you are interested in. Most of my work is in North Franklin County and Delaware County. I lived in Westerville for many years and know it well. I live in Delaware County now and my kids go to Olentangy schools. And I've done several transactions in Dublin and Sunbury and have friends in both communities as well.
If you really want to get your ducks in a row (which obviously you do) check out my website, which was designed especially for home BUYERS and go to my Facebook page and my blog (from my website) --you'll get tons of useful information for buyers. If you have any questions feel free to contact me off-line and I'll be glad to answer any question you or your husband have. I promise not to pressure you or try to sell you anything. My information is always free.