Hello Jay, what do you mean by bad credit? Do you have a BK, foreclosure, short sale or deed in lieu? Are you buying in MD or PA?
If you have lower scores between 500-579 you may consider 10% down FHA and a minimum 580 fico score may consider 3.5% down FHA. If you have a minimum 620 fico score you may consider 3% down conventional.
Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the purchase. Your scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.
What are your fico scores, how much are you paying in rent, what is the maximum payment you are looking to afford? If you figure out what cities/zip codes you are considering, minimum number of bedrooms, baths and the maximum payment you are looking to achieve you can be emailed listings to fit your search criteria.
You should study RENT vs BUY listings to compare payments. Check out the web reference link below...