<prompt> Human: Only have 10k available for a down payment. Its hard to find any homes under 200k in the city and surrounding area that arent down the street from a crack househave nightly police raids in the immediate arealook like theyre from the game The Last of Us. What kind of loan would I be looking at for a house 200k? FHA?  <response>: Your income determines how much of a mortgage you would qualify for.Your credit score determines how high of an interest rate you will pay on that mortgage. 