How Much House Can I Afford

This is a question that I got the other day from someone trying to get first time home buyer loan and wanting to buy Santa Maria real estate. Hey I had a few questions about buying a home. First off what kind of down payment is involved for a first time home buyer and what if your credit isn't all that great??? First I am going to start with the obvious and then do a little clarification that always seems to get some a little confused, on down payment and closing costs. So this

Santa Maria Real estate