The IHDA Smart Move program is for first time home buyers that offers down payment assistance. It can be used with a Conventional Loan or an FHA. I just closed one last week and it worked perfectly for my clients who had good income, but next to zero for a down payment.
You must have at least 1% of the purchase price or $1,000 (whichever is greater) of your own funds. There are income limits, but they are very generous.
Please feel free to contact me if you would like further information.