Hi, Section 8 would be rental assistance (for those that qualify) who are looking to rent in pre-approved housing. The down payment assistance that we mostly use is OHFA (requires a minimum mid score of 640). They typically only give 2.5% and sounds as though your scores may or may not fit. If your scores are 620+ you could qualify for VA (if you're a Veteran 100%) or if you buy in the right area, you could possibly qualify for USDA (100% financing) and if the seller is willing to pay your closing costs then, you could possibly purchase with little out of pocket. Otherwise, the only options left with less than a 620 score are VA (if you're a Veteran) and FHA. FHA, you'd need 3.5% down (can be gift and/or you could use retirement funds). Since you're asking for assistance and if FHA is the only way, sounds like you'd need to save money for down payment, closing costs (not covered by seller), moving expenses and up to 6 months of cash reserves.That way you'd really be ready. If I can answer any add'l questions, I'd be happy to help. Best wishes otherwise, Kimberly Lawson, Licensed Mortgage Loan Originator - Ohio only. Contact and licensing information can be found on my profile.