Help Is Out There!
Down payment assistance programs provide buyers money to use as a down payment on their purchase. These are state, federal, and local programs designed to encourage homeownership, and there are several programs that are currently available to you.
Many of these down payment assistance programs target first-time home buyers. It's odd, but people who haven't owned a home for at least three years, even if they have in the past, are considered first-time homeowners by these programs.
One program offers up to $15,000 in down payment assistance! While these programs generally require that you have income below a certain level, the income thresholds can be pretty high and, for some programs, they only consider the individual who is on the mortgage rather than the entire household income. In other words, these programs are more inclusive and apply to a lot more people that it might initially seem.