At the time ( NACA may have gotten better since then) it was a "total mess". The most frustrating thing I've (and my clients) have ever experienced.
Too much to type - but in the end, after MUCH wasted time, my client finally pulled together 3% down after speaking with my mortgage rep who was a huge help in trying to figure out how the program was supposed to actually work, and then decided to go FHA, with a seller's assist, got a better rate than with the NACA program (which made a huge long term difference), and finally got an offer accepted.
Do your research as I mentioned , it may have gotten better since then. Not that the BBB is a "perfect source" of info but here is a link for you to research.
A Google search of Neighborhood Assistance Corporation of America / problems etc, may give you an idea of what others have gone through ( And I have seen some POSITIVE stories as well so don't get discouraged by my info). Just be aware of what you may experience.
Good luck in your home search. I'd be glad to help if I can., Hope the info helps a bit.
Brian Luce - ABR, SRS
Weidel Realtors - Doylestown
215-348-5600 x 163