We have credit scores of 636 & 638 we are both retired and would like to buy ,need help with down.would like to buy again, we sold our home 4 years ago, we are looking in the 130,000 range so either one of us could make the payments if need be. we need help with down payment and closing costs how hard would it be for us or is there a chanch. income is 41,000 a yearSeptember 07 2009 - South End00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.