$30,000 sounds high to me, but there are programs in different cities that normally provide some kind of down payment assistance. I've typically seen this in bigger cities that have housing departments. There are typically income limitations and what I've seen is that they will build housing let you buy it and live in it and after 3-5-7 years forgive whatever loan the provided. Normally downpayment and perhaps some closing costs. That way low income families who have not been able to save down payment and closing costs, but can afford a monthly payment are able to get in a nice home. Check with your local city housing department for information on these programs.