USDA is on hold due to the government shutdown and FHA requires 3.5% down. On a $150,000 house, that would be $5,250.
I think the best thing for you would be to rent for at least 1 additional year and try to save money. I know it's hard, but there is a theory of paying yourself first (yourself vs bills). What that means is putting a few hundred a month aside in savings for your down payment. Open a new savings account if you have to so you are not tempted to touch it. Don't forget you will have closing costs too. Homeownership is not an inexpensive proposition.
You don't want your credit score to suffer though. I suggest reaching out to a credit repair person such as Jammie Lyani, Owner of Miss Fix-It Credit Connection, 267.243.6031, firstname.lastname@example.org, http://www.facebook.com/CleanMyCredit
Hope this helps!
Even a program that gives a 100% mortgage still requires money for taxes and other closing costs such as transfer tax, title insurance appraisal fees etc, these can add up to about 3-4% of the purchase price
Your credit scores seem as if they are too low right now to obtain a mortgage, mnost mortgage products are 600-620 minimum scores, so you need to work at getting them up and this may take some time. So your first stop will be to work with a credit counsellor on how to raise your credit scores, sometimes a mortgage provider will help you with this. But it looks as if you will need to continue renting for a while and work towards buying something next year or even the year after depending on how quickly your credit improves. The higher your score the better quality mortgage you can get with lower rates.
Sorry not to be able to give you any better news. But given time you can achieve the goal of owning a home.
I have a lender that I work with that has an in house credit repair department. One of the employees used to work for one of the 3 major credit reporting agencies and knows what it takes to get your scores up to a number where you can qualify to purchase.
If you are interested in this just let me know as I don't want to put his phone number out there.