Congrats to you on such a great credit score! Quite an accomplishment for an economy that has been so challenging for so many folks. FHA, VA, or USDA loans offer loan options with low to no downpayment required. There are also 'First Home Buyer' clubs at some local banks that offer matching grants up to $7500 through Federal Home Loan Bank; they will match every $1 you save with $4 of grant money which can help you accumulate cash to cover downpayment, prepaid items, and closing costs. Working with someone at a local bank or mortgage broker is the first step, since locally available programs can vary depending on where you are looking to purchase. I would be happy to further discuss your options with you. We love working with First Time Homebuyers!