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Fannie Mae & Freddie Mac both have great programs. Some of them include an extra amount for fix up or repairs. These programs are for the homes on their forclosure homes on the market that include a home warranty if you purchase them. If anything major goes wrong with the home in the first year the home warranty will repair or replace it for a small deductible (approx $50 - $75). Many times they have already replaced the appliances (stove, refrigerator, dishwasher and sometimes event he washer and dryer). Their loans have small downpayments also. Here is a link to their websites: Freddie Mac - Homesteps http://www.homesteps.com/homebuyer/Fannie Maehttp://www.homepath.com/
Please, begin by talking with a local mortgage person that works in down payment assistance programs such as are available in O'Fallon, St Charles and St Louis Cities.. although funds are limited in some ares... and MHDC , yes .. , is a great alternative if you have not saved your 3.5% typical down payment... so they can help you get qualified for some of these alternative assistance programs if you call them directly! choose a local lender familiar with state programs !good luck
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For Sale: $24,790
For Sale: $48,900
For Sale: $2,500