How muc is a downpayment for a 1st time homeowners mortgage?

My husband and I are looking into buying our first home (we currently live in an apartment but have a baby on the way). The home we are looking at is a new build. It is $ 115,000. This would be our first home. We don’t have much saved p because we weren’t really planning on buying a home so soon. Are there any special programs/loans for first time home buyers? We have decent credit (660’s).

We make about $ 40,000/yr combined income (I work part time). Is this house something that we could afford when interest/insurance/etc payments are included? We have no debt.

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