I believe that the MSHDA down payment assistance is in the form of a soft second loan. This means that when you purchased the property, they gave you a loan for (up to) $7,500 for your closing costs. You do not have to make any payments on this loan, but if you sell before the allowed time frame, you would be required to pay of the full remaining loan amount. The second loan may be paid on your behalf monthly, so you may only have to pay back a prorated portion of it, but I would have to check with a lender to make sure. Let me know if I can help more. Thanks!