To find Housing and Urban Development (HUD) home buying programs in your state, go to www.hud.gov/buying/localbuying.cfm.
Detailed information about USDA Rural Development programs and applications for financial assistance are available through Rural Development state and local offices. See www.rurdev.usda.gov/recd_map.html.
Information on Federal Housing Administration (FHA) down payment grants can be found at www.fhaloan.com/extra_programs.cfm.
As you are shopping around for a home loan, ask local lenders which first-time home buyer programs they participate in. Lenders are another good source of information and will be able to tell you about the features of the loan programs that they use.
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