We have a place in AR called the CSCDC (Crawford-Sebastian-Community-Development-Center) they have info on all sorts of government grants that assist people in buying their own home. My husband and I are actually going through their program right now. They can help with down payment & closing costs. There are also programs that will allow you to build your own home, and/or have your monthly payments based on your income. I would check with your local HUD office or see if your area has a community development center.
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