: Provides up to $45,000 as a ten-year forgivable loan for down payments and closing costs.

: Requires "sweat equity" and provides affordable mortgages where monthly payments do not exceed 30% of gross income. State and Federal Programs

: Low-down-payment options such as 3.5% down for FHA or 3% down for Freddie Mac's Home Possible program.

: Offers up to $35,000 (or 5% of the loan amount) for frontline workers like teachers, healthcare staff, and veterans.