there are a couple of programs available at this time. Feel free to give me a call and we can discuss your situation. there is an $8000 program for 1st time buyers. a $6000 progrand the IDHA. a $10,000 program if you sertved in the military. Call Sheila Walker @ Herget bank for more info on any of these. 309-347-0271 or feel free to call me for more info or advice.