I,m not sure what area you are in but there is a program that helps you out with down payment assistance for first time home buyers. ( Defined as a person who has not owned their own home in the past three years.) check your local housing authorities or county, city of for funds grants and programs. There is a requirement that you attend a first time home buyers training class which would be offered through the county or city that you reside in (free of charge} contact local housing authorities for more info.