Welcome to the forum. I would get a copy of your CR and takr it to a local CU and see if they would finance you based on whats in your report. They may not tell you but it wont cost you an INQ.
There are many smart people here in the forum who could help you to raise your score, so post info on the negative stuff on your CR aso they can help.
I think you will be approved. Putting $10K down is very good, but it will depend on how much debt you have.
I don't know if your CU will approve you, but chances are better with 10K down.