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The way I see your issue, you need to start with a Consumer Credit Counseling Service to start a Plan in savings for Home and Retirement. The monies you have mentioned is not enough to maintain home expenses or emergencies nor have enough for financial stability.Seek a Non-Profit Counseling Service in your area that has Workshops, counselors and First Time home Buyer programs. Google: Consumer Credit Counseling Service
At this point in our market (Nashville Metro) there are two primary downpayment assistance programs that are available(THDA and the Housing FUND). DTI and credit score are going to be an issue for both program.
Work with your lender on getting your husband's credit score up. If you need any further help you can contact me. I've had alot of experience coaching clients in getting their credit score to where it needs to be.
There is a program out there with 1% down payment, which will free up some money to pay down your debt. There are some income restrictions , but they are higher than FHA. Its not a USDA program, so you can live ANYWHERE as long as you are under the FHA guideliness Loan limit...I know alot about it and its available in most of the USA... Hope this works for you feel free to repostHory and Melissa TeamUnique. Different. Better
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