You need to really consult with a mortgage lender ASAP so that you can get pre-approved as well as brought up to speed with the best loan program for you and your family.
Low down payment options are available with USDA and FHA loans but I recommend you first understand how credit scores work.
In your previous reply you stated that your credit score has been dropping. I encourage you to research why so that you can turn it around before you purchase a home. By correcting your score in the short term you will save money in the long term.... more