For first-time home buyers, coming up with the money for a down payment can be the most challenging part of the home buying process. Some strategies that can help you save for a down payment include creating and sticking to a budget, avoiding debt, and finding ways to increase your income. Additionally, you could explore options such as government grants or loans that can assist with the down payment process, such as FHA loans or VA loans. Finally, you could consider a no or low down payment loan option from a lender, depending on their qualifications and requirements.