<prompt> Human: So,in a hypothetical. My parents recently went through a divorce and me and my mom are in a real situation. He pinned 15k in credit debt on her which she is paying off slowly, she has the money to pay it off right now, but she wants to save the money for a house. So say she makes 500 a month as the minimum on the card, her credit score is lownot sure how low. The cash she has is not in a savings account, therefore it cannot be use to put a down payment on a house. What would be a financing option for a house under and or near 60,000.  <response>: I dont understand this. These seem contradictory: she wants to save the money for a house. The cash she has is not in a savings account, therefore it cannot be use to put a down payment on a house. If she has a low credit rating, that will limit her financing options. If it is low enough, she may have no good options as regards qualifying for a mortgage. 