While I wish you the best in obtaining this or any other property, I suggest contacting several lenders to see what loan programs you qualify for before submitting any offer. Ask for a Good Faith Estimate from each and review the fees carefully.
Some places that may help besides USDA Rural Development and FHA may be found on these websites.
Keep in mind, there are additional fees and costs associated with the purchase and repair of any property. Depending upon condition, this could be more than the selling price of any property.
Are you sure the home is still up for sale? I can check (or better yet your agent if you have one) to see if you'd be rural eligible.
Let me/your agent know.
Go to a local mortgage lender and ask them to try and qualify you for a mortgage for that amount. You pretty much have your 3 1/2 percent down payment needed but they will need to make sure your debt to income ratio isn't too high. Your credit score is fine for an FHA loan. The only thing I foresee being an issue is possibly your income. The only way to know for sure is go and get pre-qualified. Once you get pre-qualified, find an agent. If the home has been on the market for a while, the seller may come off their asking price a little or maybe pay your closing costs. Good luck!