Feel free to contact me if you'd like more information on any of these. It may be that none of them work out, but just maybe one of them will work!
The HOP program is an excellent resource for our community and I can give you a lot of details on this. Section 8 will allow you to use your Section 8 stippend toward a mortgage for 15 years *if* you are already recieving Section 8, but I think there is a waiting list to get on the Section 8 (rental) list. There are other programs available, and I do know a couple of Mortgage Bankers who are willing to do "unconventional" loans.
Regardless, you may have more to overcome than you realize. I used to make about that much and always felt like home ownership was a pipedream. Now that I am a REALTORÂ®, i know that there ways to make things happen for people. If you have been getting all your ducks in a row, or you have resources (your church, family, friends, or even disability income) that you can access, you can make this happen. Let me know if you want to give it a try. I'll be in your corner.
Wilkinson & Associates