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There are many agencies, charities, municipalities, etc... that will either lend you part of the down payment, all of the down payment, (usually repaid over 20 years), OR, many many House loan programs in which your down payment is actually given to you, (this is common, one just needs to know where and how to apply). Some of the Down Payment assistance programs have income limitations-- the rational being that if you make over a certain amount of money you should have been able to save your down payment. Many other home loan programs have no such constraints. Let us know your situation and we'll find the one that works best for you. How to Buy!