We offer several types of down payment assistance programs available to help homebuyers overcome the financial barrier of a down payment. These programs include grants, which provide non-repayable funds to be used directly for the down payment, and second mortgages, which are low-interest or interest-free loans that are repaid alongside the primary mortgage. Additionally, there are deferred loans, which require repayment only when specific conditions are met, such as selling the home or refinancing the mortgage. Each type of program has its unique benefits and eligibility criteria, offering a range of options to suit different financial situations and needs, making homeownership more attainable for a broader audience.