No one can determine if you can qualify for a loan TILL you complete a loan application and mortgage broker can review all the particulars.
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Austin has a cool program at Mueller that requires a buyer to have a great credit score, with low income, and they can get a great place in which at least 3 out of 4 homes are "luxury" and one out of the 4 is reserved for challenged buyers. There are also other programs that someone in your situation could qualify for no down payment purchase.
If you need help finding the right kind on agent in your area, I will be glad to locate one that
Ex. You could get something up to $1600/month if you have no other debt payments.
If the car loan is $400 then you can get $1200/mo payment.
Another $100 in credit card payments? Then you can get something with a $1100/mo payment.
Now, these are all round numbers to just show an example. You need to apply to know what you qualify for.
What can you AFFORD? http://www.ntreisinnovia.net/cgi-ntr/BR_login?0501134
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