Anthony, There are many oppurtunities for grant money and forgiveable down payment assistance as 2nd liens. Most notably, the Indiana Housing Partnership offers help for home improvement loans and grants in conjunction with participating banks. Most of these grants, loans, and assistance are limited in either targeted census tracts, low to moderate income earners, and first time homebuyers. First time homebuyers are normally considered to be individuals that have not had an ownership interest in their primary residence for 3 consecutive years prior. Of course my employer works in conjunction with a lot of these programs. (Fifth Third Mortgage). Some of these grants and forgiveable down payment loans normally mandate that you stay in the home for at least 9 years or you become subject to a recaputre feee, tax, or penalty.
Keep in mind not everyone will qualify and the guidelines can be stringent. Call or email me if you would like to discuss further. The views, opinions, and statements in this reply are my own and are not endorsed by my employer or associated entities.
I hope this helps.