<prompt> Human: I have a low credit score in the mid 400s. I make 9.75 an hour. My Dad is selling my grandmas house for 85k. I have no money for a down payment and no knowledge of how to go about obtaining this house. I hate to sound like Happy Gilmore but my grandfather built the house with his bare hands. Any advice is appreciated. Sorry about the format, Im on mobile.  <response>: You cant afford to buy this house. Your credit is terrible, you have no down payment, and your income is not sufficient to buy that house. 