We’re in a sticky situation. We’re currently renting and the cost is just about our entire monthly income. To be clear yes we understand that was a TERRIBLE idea. However escaping domestic violence with 3 small children we took the first safe place that would have us. What this means is we have no savings and for the time being no way to actually aquire any especially not the 20-40 thousand I’ve seen people asking for down payment. Credit score is poor. I know it’s such a long shot but I’ve looked into both FHA and USDA mortgage loans and honestly I feel like I’m at a loss. My fiance’s median credit score is close but not quite 580 and the TransUnion score by itself is lower. Does anyone know if there’s anything we can do currently? In the meantime we are working on raising credit scores and doing our very best to try and save. Our old mortgage (which seems to be fairly average for houses in this area) was about half of what we’re currently paying in rent.