You will be pleased to know that there are programs available to help home buyers in the City of Chester. In addition to the FHA loan programs that many lenders offer, and Downpayment Assistance Programs like the Nehimiah Program, there are county and city grants available. One county program will give you $5,000 in a 0% loan, that you don't have to repay till you sell the house, and if you live there for more than 5 years, the loan is 100% forgiven. Free money, essentially. Contact me if you want more details.