I was reading my Readers Digest & they mentioned a program that helps low to moderate income families purchase a home w/ with help on the down payment & closing cost w/o having to pay it back ..it's been doing this since 1999 ...just thought I'd pass it along in case someone knows some one it may help...I only posted this because I figured if Readers Digest was recommending it it must be ok......
http://www.ameridream.org/