If you are not sure that you can cover the entire down payment to buy a new home, you can apply for some down payment assistance loans through certified lenders.
These loans will help you to cover part of your down payment such as deferred payment loans, forgiven loans, or second mortgages.
In deferred payment loans, the amount of the loan needs to be paid in full if you are selling, moving, refinancing, or paying off your primary mortgage.
In the forgiven loans, the loan is forgiven for a specific number of years. However, if you move, sell, refinance, or pay off the primary mortgage before the number of years specified, you would be violating the term of forgiveness.
In the second mortgage assistance program, the payment of the second mortgage is paid simultaneously along with the primary mortgage.