Years ago, finding someone who did not know how much their house was worth, selling by owner, trying to save some money, was easy to find. Not any longer.
You can buy a fixer or repo, but those take more money down, unless you can do the teacher next door FHA program or something. They also have higher risk.
For some people, the "One Time Close" works pretty well. You find a piece of land with utilities nearby. We put a manufactured home on it. The final cost is usually between $150,000 to $350,000 so the down payments range from $6000-15,000. the payments are between $1050-$2500 including taxes and insurance.
I do not advocated buying a mobile home on leased land.
You have to check with the city and be sure they are going to allow a manufactured home.
The "One Time Close" is one of the loan programs I offer here. Not too many lenders do them as they are a bit complex. Feel free to call and discuss it. My phone number is 714-968-2500.