Rural development does have money, but the house you buy has to qualify for the loan. That means that it has to be in a rural area. Without knowing where you want to buy a house it is difficult, but I am confused anyway because we answered these questions months ago, so I do not know if you are asking again or not. In the 20748 zip code I do not think there are areas where USDA could lend, but in Charles County there are plenty of places.
On a 300,000 property, 3.5% downpayment would be $10,500. If you could borrow the money from a family member, then receive the $8000 tax credit (note: estimates to receive the tax credit are about 16 weeks after filing your amended tax returns, nice thing is they pay you interest on the money though).
In essence, if you are under contract by April 30, can get a loan or gift from the family member, and then receive the tax credit you are almost buying with no money down. Please feel free to contact me if you would like me to run some numbers for you. 301.585.RATE (7283)
Or don't forget the P.G. County is offering up to $60k - that's right $60k - in down payment and closing cost help if you are considered low to middle income and want to buy a foreclosed home. Your contribution into the transacton only is $1k. Call me on Monday at 410.552.5912 if you want learn more about P.G. County down payment assitance program.
I would start working with a lender any way, so you will be prepared when the time comes.