Your down payment is the least of your issues, the BK discharged in February would probably pose the biggest hurdle in getting financing. You need to re-establish your credit and save for a down payment. You are not ready to purchase a house yet.

deposit sounds high based on per centage of purchase price. Many banks have minimun loan amounts which make it tough for this scenario. Your boy friend will not qualify -- BK is to fresh. You can qualify with a non-occupant co borrower such as friend or family member for FHA if you have the credit score. The deposit can be a gift (as opposed to a loan from a family member or friend). Also there are county down payment programs -- but tough to get. hope this helps....