What are you looking to buy in? (DPA programs vary by location). What is your approximate credit score ? Are you a first-time homebuyer ?

A higher score lowers your interest rate, saving you hundreds monthly.

Require only 3.5% down . They have flexible credit requirements (often as low as 580).

Low-interest loans used for the down payment; payment is often deferred until you sell the house.

These loans are designed for buyers who cannot afford a traditional 20% down payment.