Sometimes, and most times, the down payment assistance programs, they make money off of the Interest Rate because they're servicing the loan. You pay the payment to them, they're making money off the rate so they can lend again. So with down payment assistance, remember you're either gonna have a allotted period of time and or you're gonna pay a higher interest rate in fees.

So what you want to do is make sure you get a comparison of what it looks like for down payment as. And what it looks like for FHA or Conventional or VA.

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