Should i buy a house or no? FINANCIAL ADVICE PLEASE???/?

Well me and the hubby have been struggling for the last 6 years moving from ca to fl for a job that didnt come threw and unemployment. Well after 2 yrs of being stable here in fl with a good job we are in the process of buying our first home. We have some savings that we are going to have to give up for our closing costs in april. My question really is ..We dont have that much money and i am worried that we are making the wrong decision on buying. We have a car payment that takes a big part of our income eachmonth come november it will be paid off completely. We dont qualify for a usda government loan because our score isnt quite there to 640. We are getting an fha loan and the house is 80,000 with the sellers putting 3% dwn. It has NO appliances but is gorgeous and 2200 sq ft. I am worried that once we get this house our mortgage will interfere with our car payment and we will be broke each week after bills are paid. Is it smart if we wait till nov. and build our credit more to approve for a usda loan? or should we just be happy to get aproved and take this fha loan? please help me make this decision !! Thank youso much!!