My name is Trace, I work for a homebuilder here in Jacksonville . I have read a few of the other answers to your question and I agree with a lot of them, however, I have been told that the first time buyers programs are going out the window on October 1st. due to a governmental ruling. If this happens, this means that closing cost can not be rolled in to a loan, but as of right now, most of them can. If you purchase now and get your purchase agreement locked down, you could close before October first and use the Ameridream program or the Nehemiah program which can assist you with closing cost. Of course it just so happens, that the builder I work for has 2 ,brand new concrete block homes that can be sold and closed before the programs go out the window. If you are interested contact me. Thanks.