First time home buyers? Need Help/Advice on what to do next?

So my fiance and I have found a decent little double wide outside the city limits. It's a 3 bedroom, 2 bath and sits on approximately 7 acres. I need to keep in mind the acreage because I have three horses I have to move shortly. We've went out and met up with a guy to look at the property and the insides of the house. It's a 96. It's got a couple of problems that need to be fixed, but we're okay with that.

The owners want 69,900 for it. It was bought for 70,000 back in '08 and was forclosed on in '10. I don't believe there are any leans or anything against it since it's been bought again. It's been on the market for a little over a year... my question is... what is the next step?!

My fiance has spoken with the bank and they do not do "no down payment". We'd at least need 20% interest up front, and that we just can't do. The bank personal has advised us that there is a program called USDA that does "no downpayment" and finances up to 102% including closing costs... but what do we need to do?

We def don't want to go through this bank... being as we can't afford it... how can we find out how much of a loan we can get approved for? We would need at least 70,000 I believe (even though we're going to try and talk them down on the price). I would be secondary and he would be primary. I don't have any credit and he's has decent credit, along with being at his job for almost 3 years...

Can someone please explain the process to me?

I've already done tons of research on the house and looked at what the electricity runs each month for the past year. It's never been over $400 and the lowest was $150. It also has a private well, so we wouldn't be bothered with that.

I was told that no one would finance a "mobile home" because it doesn't have a "permanent foundation". *Sigh* Can someone please clear some of this confusion up? This is also in the State of GA.