There are lots of incentives but you will need to have a down payment in most cases and reasonably good credit, particularly if you are interested in a house versus a condo. There are some discount programs for city/government employees but I don't know of any "grant" programs unless you can qualify as low income.
I urge you to contact a mortgage broker to discuss your financial situation in detail. I always recommend Tony Veliz at (206) 261-1196, tonyv@windermere.com.
Then contact a real estate agent that can answer your questions in more detail than is possible in this forum. - Mon Nov 23 2009, 23:14