<prompt> Human: I have 9,000 in the bank, a 20 per hr job with horrible credit I want to buy a house in Southern California Los Angeles without having to move out to Riverside respectively.. How? I am so confused  <response>: The short answer is you cant. Pay off debt, improve credit and build your savings before you look at a house. You need significantly more money to put down and anyone who would loan you the money with bad credit will kill you with interest. 