There are over 200 local, city, state, and federal Low Income & First-Time Home Buyer Assistance programs that offer below market interest rates and a variety of down payment assistance programs to eligible first-time, senior, and low/moderate-income Home Buyers. Several programs can be combined for maximum savings not only during the initial purchase, but also on your federal income & state taxes for as long as you own your home.
In addition, most cities have their own Down Payment Assistance, Interest Rate Reduction, Housing Rehabilitation, Rental Assistance, and other housing assistance programs. There are too many to list, so please






