I am a Realtor here in Dingmans and Milford, and saw your question on Trulia.
There are programs out there, for instance from the USDA Rural Development, where they actually limit the maximum downpayment to 3% (!). Speak to your Lender. (The credit score may still pose a challenge...).
If I can be of any help, perhaps with local lender names, feel free to contact me:
p.s. I notice your Randolph location... I graduated from Randolph in 1973.
Fixing your credit score should not be too difficult.
You may be able to get a PHFA loan and downpayment assistance once your credit is fixed.
Cornerstone Lending Inc
215 953 0800