I've made a couple of edits:
I'm not a real estate professional by any means, but I am a person who is taking the plunge of home buying for the first time.
They aren't talking to you like a bum (though there are a few people being rude), most of them are just being honest with you and are telling you to try and be realistic about your expectatations.
First off, try to get a preapproval from a bank. Go into a local branch and see from them how much you can get. Chances are with your credit score, it won't be much. I have a much lower salary than you, but my credit is good, and I ALWAYS make my payments. I managed to earn a loan and calculate a payment that I am able to EASILY afford. I lowered my expectations and I am having to buy a fixer-upper for 42000, but I can do what I want with it over time and i don't have to worry about plummeting into a giant hole i can't get out of.
IF you get a loan approval, chance are the interest rates are going to be ridiculous. Don't forget that when getting into a home, you have to consider payments besides just the mortgage, like taxes and insurance, which have to be added to the monthly payment.
Don't rely on that down payment coming from that program you're talking about. Honestly, I don't think you'll get it.
From your credit score it's telling the lenders you aren't responcible with your money, and in the end, it's really up to them.
I know you want the home owner's credit, but keep in mind, it's a TAX credit, not a cash payment. So don't be expecting to get 8000 off the cost of your house, or money directly in your pocket, that's not the way it works. It's to help pay off your property taxes, not existing debt.
Do what I've been doing- Save what you can, maybe ask for gifts from family, not charity there are people out there who need the money a LOT more than you. You'll need a 3.5% downpayment minimum and don't forget the closing costs and commission. If you continue to pay bills on time and responsibly, you'll be able to afford a decent house and have good credit. Things will be easier on you and on your family.
And honestly, you brought up God just now. Do you not think that maybe the reason these people are taking time out of their day and answer your question the way that they are is maybe a way of telling you that you are making a mistake? Think about that. There's a reason for everything, even if it's not what you want to hear. Do more reserch, save up. You'll get there eventually.
Someone else who has done their research and is taking the plunge into home ownership.