With your credit score, YOU are eligible for an MHDC Loan, they offer a downpayment FREE as long as you stay in the purchased property for 7 years. So there is your downpayment. You have your agent ask the sellers for 6% in closing costs in the contract. Your home will cost you very little out of pocket and I will gladly tell you who will do these types of loans. Just contact me at firstname.lastname@example.org and I will explain this to you and provide you a lender to speak with personally.