Are you a first time home buyer (legally, that means you haven't owned in 3 years)? If you are looking at homes with the $100 down program, you may also be interested in the state, county and local programs for first-time home buyers that help you with down payment assistance, principal reduction, and a whole host of other options as well. It also opens up the number properties that you can purchase because they don't have to be HUD. You can check out what's on the websites for the state, county and city, or you can give me a call or email and I can help you figure out if these programs would be available to you. I'm here in Lewisville so I'm close at hand if you need anything. Let me know.