Hi, James and Deb!
Wow, that's a loaded question!!! We really can't answer that here. We don't know what programs you took advantage of when you purchased. We don't know if you're thinking of selling now or going to stay in the home.
Can you talk to your lender who helped you get your mortgage to find out what the terms are of the incentive programs you used??? That would be where I would start. If you can't get any help there, I would sit down with another mortgage professional who might be willing to help you get to the bottom of this. Finally, if all else fails, get your paper work out and start reading it again!!! There might be some websites that you can locate on the internet to help explain what your steps are.