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I would suggest that you keep renting and save money for a downpayment It would put you in a stronger and better position when you are ready. Don't get swept away by a tax credit. It may not be what you want to hear, but that would be my advice to you.
There is more than just the downpayment when it comes to buying a home. You have closing costs, moving expenses, deposits on utilities as well as contract, upfront inspections. This will also show the lender that you use that you are responsible. Lenders these days want you to have some investment in the home before they give you a loan.
All you need would be about 7K and you can ask the owner to assist in the closing costs.