There are a lot of First Time Buyer programs that match your financial situation. First step before going out to look for a place get a pre-approval letter for your lender of preference. I agree with Socorro Lopo you are the perfect candidate for FHA loan, see if you an bring up your good faith deposit up to $6,000 thousand dollars. If you make an offer on a home for $200,000 you will need about 3.5% percent which comes out to around $7,000 then you can get the seller to close in your behalf.
Also, you can ask your lender to see if they can also help with closing costs. Sometimes, if you get a loan with a slightly higher interest rate, the bank will give you a rebate that can go towards the closing.
Natalia Aguilar Team - First Time Buyer Specialist