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Hi Barbara:
There are different programs and grants available in different places. If you looking in Fort Lauderdale, for example, the sale price of your new home can't be more than $205,000 and your income must be no more than a certain amount, depending on how many in your household. Check out the Purchase Assistance Program information at http://ci.ftlaud.fl.us/planning_zoning/pdf/First-Time_Homebu
There are also programs depending on your employment - example, lots of cities have programs for teachers, firefighters, police, if they are first time homebuyers. As Myke said, the important thing is to get in touch with a reputable and trustworthy mortgage broker or loan officer. There are quite a few excellent ones here on Trulia and I can certainly give you the names of those that I know and trust.
If I can be of any help to you in finding that perfect first place, don't hesitate to contact me. Best of luck!
Angela
Sun Aug 10 2008, 13:05