could i get a mortgage?

You need 20% which is 20k for a 100k condo

You need welcome taxes 3000

You need furniture 5000

You gotta pay mortgage maybe 500-700 a month depending your interest rate

Plus property tax maybe 1500 a year ( 125 ish a month)

Hydro another 75-150

Food can cost minimum 50 a week eating barely anything

So 200 a month

If you want to watch tv cable is 100

Internet is 70

Phone is 70

Do you have a car? Car gas is like 25-100 a week

Insurance is 30-100 a month

Toilet supplies 50 a month

28k to move in

Minimum 1750 thats if your car is paid off .

If i were you id save up 1 year of living expenses which means 1750x12 plus the down payment welcome tax and furniture... If that is not an option, you my friend will have to rent

Your problem is the 20k a year, where with my scenario you need to NET 21-22k just to live

If you want to have beers and go out to eat you need to net 25k at least

And that still means your saving nothing

I would not try what your planning at 20k

I assume you haven't saved up the 20% yet, so you have time to do some work. I'd wait until you were close to having a significant chunk of savings. Then start looking for houses in your price range, apply at a lender for a pre-approval (which doesn't commit you to taking a loan). Then evaluate your finances and figure out if you can create a budget that works -- that includes have emergency funds and not living paycheck to paycheck and not having any other debt besides the mortgage. Buy a book about mortgages so you understand what you're getting into.

To get qualified for a loan you need to have at least a two year work history and have a good credit score. If you have no credit, there is still a way via FHA but likely wouldn't qualify to borrow more than $50k at the most for a condo. Bottom line, go apply for a loan at your local bank that offers FHA loans. Typically the big banks in your city are the best ones for FHA.

You can borrow about $60K if you make $20K and your credit is good enough.