Ok here’s a (non exhaustive) list of national first time home buyer programs. A lot of them have income limits but some don’t https://homebuyer.com/learn/first-time-home-buyer-grants-programs if you search enough, you should find something from a bank that applies to you as well as state or fed govt programs that you qualify for.

Also banks offer mortgage discounts & closing cost programs for first time home buyers for example BOA https://www.bankofamerica.com/mortgage/affordable-housing-programs/

Nj will give you 15k forgivable is yr house hold income is less than 100k https://nj.gov/dca/hmfa/consumers/homebuyers/

Mom here. I get there early, park & walk to the terminal. It’s 10$ for the first hour.