4. Credit score.
There are some financing options that alow you to get the down payment from a relative, so you would not even have to have any money other than some reserves.
Best advice I can give you is to get with an experienced lender and have them pre-qualify you for a mortgage. There should not be a cost to do this. If you want a good lender please call me at 614-327-8081, or e-mail Rick1@Columbus.rr.com