Good morning and thank you for writing. Valley Stream, NY is a pretty expensive area (average price $475k from what I saw online). It would be difficult to qualify for an average home there on $62k a year. I did see homes in the $200 - $250k range that you'd be able to afford unless your other debts are high.
We actually have a guide on our site for down payment assistance
https://themortgagereports.com/33553/complete-guide-to-down-payment-assistance-in-the-usa
and another piece about buying a home with low income.
https://themortgagereports.com/24603/how-to-buy-a-house-with-low-income-in-2017
Valley Stream, NY appears to qualify as "rural" for USDA financing. No down payment is required and underwriting is flexible.
https://themortgagereports.com/14969/usda-loans-home-mortgage
FHA allows debt-to-income ratios up to 50 percent.
Fannie Mae's HomeReady program might be perfect for you.
https://themortgagereports.com/16976/97-mortgage-low-downpayment-3-mortgage-rates
Just 3 percent down payment, you are likely income-eligible (it's for moderate-to-low income), mortgage insurance is lower, and they allow debt-to-income ratios of up to 45 percent. It also allows you to consider income from other household members (roommates, family members, etc.) who are not on the loan.
With today's technology, you can find out in minutes if you can be approved and for what programs. Most mortgages are underwritten by software and you get a decision right away. Our affordability calculator
https://themortgagereports.com/mortgage-affordability-calculator
also helps you see what's in your price range, depending on the interest rate you get. Good luck, and thank you for writing.
