Making a step to purchase your first home is very exciting. There are sooo many factors to take into consideration. Your debt, income, ratios, school loans, etc. I would highly recommend that you speak with a lender who can look at your personal situation. Then they can help you determine whether 100% financing is an option or if first time home buyer programs are available to help you with down payment assistance. The USDA loan program is terrific but they have specific criteria and do take longer than regualar loan programs to close.
If I may assist you with locating a dependable lender, please don't hesitate to contact me.
Best of luck to you and yours.