up to 5% of the purchase price can be used for the downpayment assistance program
there are forgivable and nonforgivable loans, which one do you want?
rates are typically higher but it helps if you have no funds whatsoever.
What happens when rates come down, are values up, the same, or down, and how does that affect your refinance when the time comes? Lot to consider when getting the downpayment assistance 

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