Hi Annie, that is a great question for a lender. The good news it is free to find out, Google loan officer or call your local bank/credit union. It usually only takes 20-30 minutes to apply for financing and even if you can't get approved for what you need now, a good lender can educate on what you can work on (like your credit score for example) so that home ownership can be a part of your future. Good luck, Spirit