Conventional lenders want from 5% to 10% to 20% and maybe even more for a down payment.
They want a 620 ( I saw 640 not long ago) fico score. Also, your debt to income has to be in an acceptable range. If you want to buy a house buy nothing else on credit that will not be paid off before closing.
Then you have closing costs to pay for. Maybe you can get a seller to pay for them, but it does not always happen.
the general rule of thumb is yearly income x 3 = safe gettable mortgage. Thus your income should be somewhere around $30k a year.
Ask a local lender at a bank or credit union near you for the exact details. They can give you information down to the penny.
The mortgage on $90,000 (no down payment, no taxes or insurance) would be $497 a month on a 30 year 5.25% mortgage.
You will have to find out what taxes and insurance would be on that property. Get a CLUE report. It is the insurance history of that property. You may find it has a history that will make it cost a lot more than other houses, or not.
It would not be surprising to find out that insurance and property taxes were $100-$200 a month more. If you have mello roos it might be even worse.