Here is some information to get you started below. Remember, when you go to purchase a home as a first time home buyer you can get seller concessions, which means the seller will give you a credit for buying their home up to 6%of the purchase price.
Example if you purchase a home for $100,000 you can get a mortgage for $106,000 with a $6,000 credit for you to use towards closing costs and down payment for a FHA Loan (a government backed loan) which is 3.5% of the purchase price ($3500). This would leave you with your no out of pocket expense for a down payment and $2500 towards the closing costs on your new home.
Some links to help get started with the home buying process:
FHA (Federal Housing Authority) Loan Buyer Overview:
http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/fharesourcectr
List of FHA Lenders – I like M and T Bank because they are local and efficient, along with HSBC Bank
http://www.hud.gov/ll/code/llslcrit.cfm
Typical Home Buying Cycle - What are the steps in purchasing a home in New York State:
http://lovallorealestate.blogspot.com/2011/10/typical-home-buying-process-infographic.html
Housing Grants Available:
http://lovallorealestate.blogspot.com/2011_06_01_archive.html
Buyer Agency – why you need someone to represent you as a buyer:
http://lovallorealestate.blogspot.com/2010/07/buyer-agency-why-you-need-it.html
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