Coming up with an adequate down payment is perceived to be an insurmountable barrier for many who wish to buy a home, but a new home ownership program lowers this barrier for qualified buyers by making it possible for them to purchase with a very low down payment (in some cases as low as zero). Regardless of whether you’re presently renting and are looking to buy your first home, or have owned a home before, you may feel it’s too difficult to break into the housing market because you think you require $10,000, $20,000 or even more for a down payment. But if you want to get into / re-enter the housing market with a lower amount, or even without a cash down payment at all, regardless of your present situation this new program may be just what you’re looking for.