You really do not need to put down 10%, first time home buyer programs allow you to put down like 3%. Some banks will finance 100% though also so you dont need to put down anything. You could also find a seller who is willing to pay 1/2 the closing costs, or work it into the deal so you either have the seller pay the closing costs by saying something like '$5,000 cash back at closing' or you can finance the closing costs also. (I dont recommend that though). I have bought 2 houses in my life, one with my bf when I was 26 and the other on my own when I was 28. both were different experiences. I would talk to a realtor and have him/her go through the process with you. Have your credit checked and get a pre-approval from a lender, then you'll know where you stand.
Good Luck!