George may not need this advice anymore, but you should also check for home buyer opportunity programs. You need to ask a local REALTOR(R), who is interested and experienced in helping first time and challenged home buyers. Many programs are specific to a particular area.
Austin has a cool program at Mueller that requires a buyer to have a great credit score, with low income, and they can get a great place in which at least 3 out of 4 homes are "luxury" and one out of the 4 is reserved for challenged buyers. There are also other programs that someone in your situation could qualify for no down payment purchase.
If you need help finding the right kind on agent in your area, I will be glad to locate one that