SONYMA is a great option. The ability to get a sellers concession is another good idea to help pay the closing costs. I suggest you speak with a mortgage broker so that he/she can explain all the programs and financing options available to you. If you don't know a mortgage broker, I can recommend a great one.
Good luck in your home search
Licensed Real Estate Broker
Prudential Joyce Realty
Accredited Short Sales Designation
914 588 1873
There are programs that you need to qualify for in order to get closing cost help. I do not know if you meet that criteria. Also, the seller can make it possible by creative financing, which is very attractive. All these possibilities have criteria that must be met. If you would like to have more info, please e-mail me, email@example.com, or call me at 914-714-2004. Thank you.