You do not state how low your credit score is. USDA loans, in most (but not all) cases, require at least a 640 FICO score. However, USDA loans require no down payment, and you have money for that. You might qualify for FHA financing.
FHA loans allow lower credit scores and will finance buyers in Chapter 13 bankruptcies if they have been in the plan at least 12 months, made payments on time, meet FHA underwriting standards, and get the approval of the bankruptcy court.
Good luck, and thank you for writing.