Noelia, I would highly suggest that you speak with a loan officer. There are some really good programs out there. Just closed a transaction yesterday where my buyers got 1/2 of their earnest deposit back. However, that was a rural development loan where you can only buy in certain areas. You would have to check with a loan officer to see if the areas you are looking at qualify for this type of loan. There are also income guide lines, you have a have a minimum credit score of I think 620, it also depends on how many people will be living in the home as well. Again, a loan officer would have to help you with this that is well versed with this type of loan.
Of course there is FHA and MSHDA loans as well. These might be good options for you as well. When you speak with a loan officer they can look at your particular situation and decide what the best program (s) are for you.
If you are not familiar with some good loan officer, please go through my website at http://www.GoMelinda.com
and request this information. I will be happy to give you some names and numbers of some loan officers that are very good at what they do!
I hope this information is helpful! Best Wishes!