Depending on where you want to buy there are programs available to provide a down payment to you as a first-time home buyer. The traditional seller-assisted down payment programs were outlawed a couple of months ago. This means that the seller of the property cannot give or loan you money to put down.
Conventional loans are only providing up to 95% of the value of the property, which would leave you 5-7% short, depending on how much the seller is willing to pay of your closing costs.
VA- and FHA-guaranteed loans can provide a smaller down payment. 3.5% for FHA and actually 0% if you're a veteran.
The good news is that true down payment assistance is not outlawed. You can still get a gift or loan from your family, and there are real non-profit and government agencies providing funds to cover the down payment, meaning the 5% or so.
The government versions or grants do have income limitations, which may preclude you, but you can always get family help.
You need to speak to a loan officer about your situation to determine your best course of action.
There are some other options I did not mention here.