How do I get a home loan for a single mom with poor credit and no money down?

Single mom. 3 children. Low Income. Poor credit. Currently pay rent on house I want to buy. No money to put down. Want to pay lower mortgage payment instead of rent. Need 105% financing to cover closing costs.
I want to actually buy the house I am currently living in. I live in a Rural area.

My mom refinanced her house 8 years ago and my brother talked her into putting the loan in his name. My brother is now estranged from the family and my mom wants to have me quitclaim the house from her. The deed is in her name solely but the mortgage is in my brothers name. He doesn’t live there and he has never made a single payment. My mom and I make the payments.
Thanks In Advance!

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