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Check into DownPayment Assistance in your area. Ask your Lender what is available. All states are different.
Despite the bygones of the Buyer Tax Credit, there are positive opportunities left for post BTC homebuyers:
1. New construction - builders are offering BTC equivalent in form of bonuses but not cash back, i.e. up to $8K toward closing costs and/or upgrades, it's an incentive to bring in motivated buyers and keep the momentum generative from the government BTC incentive.2. Coldwell Banker real estate firm has issued a National campaign for a BTC equivalent from participating sellers: http://www.youtube.com/watch?v=wG6M26Px4Hc.3. Overall sellers are fairly motivated, when they sincerely need to sell, may strongly consider negotiable terms and closing costs. Ask for it. You don't ask, you don't get.4. Check with your local state government to see if there are homebuyer programs.5. Some builders, i.e. Polygon Homes, will aid in closing costs and may offer buyer programs. 6. I believe there is still a program to help with closing costs, contact a trusted loan officer for details on types of loan programs that would provide such aids as most of the non-profit programs are no longer available.7. Some lending institutions have teamed up with builders to offer extremely great rates; check with your local banks who should have a list of their associated builders/land developers. 8. Don't forget about asking about the rehab loans for homes which need some fixing; ask your loan officer for more information.9. Real Estate markets is cyclic - normally predictable in terms of seasonal changes, i.e. market activity slows down in late Summer, decreases and flux during the fall and really slows down during the winter holidays.10. And of course, as Mr. Allan has said, qualified military personel are given an automatic 1yr extension to use the government BTC.All is not lost because the BTC has gone, move on there are programs and available opportunities out there for motivated and qualified buyers. Bona Fortuna!
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For Sale: $9,000
For Sale: $70,000