Hello, I'm a mortgage professional.
All you need is 5 more points then you can get a mortgage that would only require 3.5% down payment. You can even roll closing costs into the loan.
We have a credit rescoring program that can help you raise your score quickly, usually wiithin a few days. 5 more points should not be hard to get.
The best thing to do would be to have a pre approval done then I can see what we need to do to get your score up.
If you have any other questions or would like help with this you are welcome to get in touch with me.