First time buyer you have a couple government programs. SONYMA and FHA. Both have low down payment requirements but SONYMA will have a slightly better rate, slightly lower down payment but also lower price limits and a lower max income.
We went FHA since we didn’t have the 25k cash to do a traditional mortgage, but made too much and wanted to spend too much to qualify for SONYMA. After 3 years I had put enough into principle + appreciation to refinance to a traditional mortgage and avoid having to pay mortgage insurance (since the new mortgage was less than 80% of the value).