There are quite a few first-time home buyer programs available that will help buyers with closing costs. However, they generally add an extra layer to the mortgage process. Could involve attendng a class for first-time home buyers. And sometimes these loans need to be repaid at a future date.
Not to mention, not every seller gets excited about home buyers utilizing down payment assistance. Some sellers think if the buyer finds a defect that the buyer can't afford to repair, the buyer will cancel. So sellers gravitate toward offers with more generous down payments.
But there are other ways to get help. You can read more in my personal blog today at this link: When Can Home Buyers Ask Sacramento Sellers for Help With Closing Costs?