FHA Loan
FHA (Federal Housing Authority) loans are backed by the government and often have lower credit score requirements compared to conventional/conforming loans.
If your credit score falls between 500 and 579, you can still get an FHA loan if you put a 10% down payment. If your credit score is 580 or higher you can put 3.50% down payment.
Minimum down payment requirement is 3.5% of the purchase price.
Debt to income ratios can go as high as 55% with compensating factors.