As the others are explaining, there are many variables that will determine whether you qualify to purchase and what amount you qualify for.
In addition, there are a few first-time home buyer programs available as well which can help with things like down payment assistance, closing costs, etc. Factors such as your employment may also make you eligible for down payment assistance programs - there are some special programs for teachers, police officers, emergency workers, vets, etc. Even the new home builders are offering incentives for purchasing with them and using their lenders. So assistance is available in many forms. It's just a matter of having a conversation with you to determine where you are.
On another thread where you asked a question, I posted contact info for a lender named Andrew Martinez. You can call him to see if you qualify and what you would qualify for or just to have the conversation to educate yourself more about what's available.
Commercial Capital Funding
DBA Loan City Home Loans
9270 Madison Ave
Orangevale CA, 95662
Again, I hope that helps!
Keisha Mathews, REALTORÂ®
CDPEÂ®, HRCÂ®, HAFAÂ® Certified
SAR Masters Club Member 2012
SAR Masters Club Steering Committee
Mathews & Co. Realty Group
@ Century 21 Landmark Network
(916) 370-1803 cell