I have never closed a deal w/ any of the charitable down payment grant programs, but we have worked with The Nehemiah Corporation before. If you were going to work w/ any, that might be the one that I recommend. This organization works in various charitable capacities to support home ownership.
HUD made a recent ruling that would ban privately funded down payment assistance programs effective Nov 1, 2007. In response, Nehemiah filed a Federal lawsuit and had been granted a 6 month extension.
See Nehemiahâ€™s press release on this matter for details.
On Nehemiahâ€™s home page for private assistance down payments, they regularly post regulatory updates.
Nehemiah has other programs besides the privately funded down payment assistance programs. See link for details:
While there are several privately funded down payment assistance programs, I only have first hand working knowledge of this one. I have met several loan officers form major lenders who have worked with Nehemiah.
Hope this helps.