actually, there are some grant programs that you can piggy back to provide the biggest bang for your buck. the challenge is qualifying for all the grants and in finding the right lender. some programs have income limits, some are for particular locations, some are for first time buyers, some for veterans. be sure to find a lender that is knowledgeable and qualified for the different grant programs. check out http://www.ihda.org
for info on the state of IL programs. also, check with the city you are considering, for instance Kankakee has a local program; Park Forest you can get up to $10,000 from the building block grants, etc.