I would be concerned mostly about your behavior in the last two years rather than credit score. Do you pay rent on time? I want to see that plus your current obligations within the last two years. If you don't have much n the way of open credit that isn't a problem as long as you pay other bills such as electric , water, cable/internet/phone, etc. timely.
Remember that with budget we would be talking about a home of about ~$60K, but there are community developers that may be able to help.
Feel free to contact me with questions.
Mortgage Counselor-NMLS 280951
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