Congratulations — and welcome to the world of home ownership. There’s a lot to know before you make a commitment — and I suggest you might want to contact the National Foundation for Credit Counseling at 800-388-2227 to go over your budget, and let them remind you of costs — property taxes, water/electricity, insurance, etc –you may not have considered.
But that’s not an answer to your question! Since I don’t know what state you live in, I’m going to suggest you google “first time homebuyers assistance” and add your state name. Almost every state has some sort of assistance, either with low rate mortgages, or even help with a down payment.
And here’s a link to a wonderful article for first-time homebuyers at Bankrate.com — detailing the kinds of mortgages, federal housing programs, etc that might offer assistance.