: State and local agencies offer grants or deferred-payment loans specifically to cover upfront costs. For example, the Illinois Housing Development Authority has programs providing up to $10,000 in assistance. Lender-Specific Programs :
: Designed for low-to-moderate-income buyers in "rural" areas. buying a house without a downpayment
: Includes a 1% upfront guarantee fee and a 0.35% annual fee. "Near-Zero" and Stacked Options : State and local agencies offer grants or