Your credit looks good. Some lenders allow a credit score of 640, so your about where you need to be. The higher your credit the better the interest rate you will get. In addition to your credit score you will need to have a certain debit ratio compared to your income. Lenders call it DTI (Debit to income ratio)
Plus you will need three lines of trade. (That is credit lines, ie credit card, car note, student loans)
Once you have all of that in place, you will need cash for down payment, closing cost and pre-pays.
You usually can get the seller to help with closing costs but you will need at least 3% down for a WHEDA loan and 3.5% for FHA. So based on a 100K house you will need about 3-5K for a down payment.
You might be closer then you think. Please call me with any other questions.