I see an awful lot of posts on Reddit that complain about how difficult it is to buy a home. You should know about the USDA Guaranteed Loan Program, sometimes called the Rural Development Loan.
Basically, if you have halfway decent credit, have held your job longer than 2 years, and don't want to buy a house in the middle of a major metro area, the Federal Government will guarantee a home loan for you.
There are two kinds of loans, guaranteed and subsidized. Your lender can help you choose the right one.
I bought my home when I was 23 years old with this program. I had less than 1k in the bank and rent/student loan payments were killing me. I honestly didn't think I was going to be able to afford a home until I was in my 30s. My interest rate is 3.125 fixed. I pay a guarantee fee as part of my mortgage, but that's PMI by any other name.
Here's the eligibility map: https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do;jsessionid=NUG5oCfgb+rVW0XFXfyk6iM4