Are there programs that help first-time home buyers?
Yes. State housing finance agencies, cities and some employers offer down payment and closing cost assistance, and loans like FHA and some conventional programs allow low down payments. Your lender or your state housing agency can tell you what you qualify for. ListingCraft for Buyers then helps you find homes, make offers and track closing.
Assistance programs often have income limits, price limits and a required homebuyer education course, so check the rules before you make offers.