If it wont go fha, simply try a conventional loan. Inmost cases it is only 5% down which is only $20,000 and within your budget. The only way you will be able to know what you will be able to quailify for, is to meet with a local and trusted mortgage broker, they can prequailify you at no cost, they will look at yoru credit plus your financials and let you know if there are any programs that you may quailify for.
Good luck with your mortgage
Please see my blog for more info. and tips on getting a mortgage