As always, it's best to talk it over with a lender to get your best options. If you qualify as a first time buyer, then a NIFA loan may be a good option for you. This loan may get you into a home for a $1,000 or less. Talk with Paul Kottich (402) 490-2550 or Amy Hayes (402) 680-1435 at First Mortgage. If you are looking further outside of Omaha in a more rural area, there is a loan called a USDA loan which also has a low down payment feature. I have a different lender for that product.
If you have served in the Military or reserves then you could have eligiblity for a VA loan.
Most lenders do conventional and FHA loans, but some will try to steer you away from these other products because they do not have access to them.
There are a lot of factors regarding a loan, not just credit score and down payment. Talk to a lender and get preapproved before you look at homes.
Please feel free to give me a call if you have questions.
If you would like to walk through the entire buying process so you have a comfort level before you start looking just give me a call and we can have chat.