The actions you take now and in the coming months will define the coming years for you. Make a solid commitment to doing this and you will achieve your goal. No matter how hard it seems, or how impossibly long it seems it could take keep working on this. Time passes far to quickly AND your present efforts will cause your future to be changed for the better.
Minimum requirement for FHA loan is 3.5% down payment, credit score min 620. Homepath is 3% down payment and credit score min 680.
So you will need to save a bit more money, pay down your credit cards, to improve your score maybe reduce your monthly expenses wherever you can.
If you need assistance with cleaning your credit I can refer a company that has had great results.