It's the perfect time to start your future!
There are several Down Payment assistance Programs! Most program requirements are based upon income thresholds.
The housing requirement is very liberal in that it can be almost any home that would pass FHA inspection. Single family, duplex, condo, townhome, or even a manufactured home as long as it is on a permanent foundation. You must reside there within 60 days of closing.
A tax credit certificate may also be available if you qualify, that would reduce the amount of federal taxes you owe at the end of the year.
There are government funded programs and private self sustaining programs. There is also a Grant program through the USDA for rural areas with similar benefits to you. We will be happy to assist you in checking if you qualify for one of the many opportunities to use grant money for your Down Payment.