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There are programs for down payment assistance at least in the county where I live offers it. You may want to look in to down payment assistance programs in your city. Now with your question regarding bad credit, you can get a copy of your credit report for free once a year- What is making your credit bad? Buying a home you will want to be in the strongest position with credit, this helps in determing your interest rate. If you can work on the credit and hopefully your county offers the down payment assistance you will be well on your way to buying a home. Best wishes to you!
The short answer is no. The next best thing you can do is find a highly motivated seller and try to get a lease option or rent to own. In the mean time I would try to save some money and rebuild your credit. Hope that helps!
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