To take the first step toward purchasing a home through the HomeFirst Down Payment Assistance Program, or for general preparation before buying a home, contact the following Housing Preservation and Development-approved counseling agencies to register for homebuyer education training. For most people, their home is the biggest asset they will buy, and they need to beware of common consumer pitfalls and any potential unethical practices. Seeking professional expertise from a government-approved counseling agency makes good financial sense.

Upon the successful completion of the homebuyer education classes, prospective homebuyers will receive a certificate that verifies their eligibility for the forgivable loan of up to 6% of the home's purchase price. The certificate is valid for six months, with a concurrent six-month renewal period. After receiving the certificate, prospective homebuyers begin the path to homeownership.

Step 1: Present the certificate of eligibility to a participating lender for pre-approval on a mortgage loan.

Step 2: After receiving pre-approval from a participating lender, consult a reputable real estate professional to identify an affordable home.

Step 3: Hire a real estate lawyer.

Step 4: Negotiate a contract of sales with the seller.

The homebuyer education counselors will be available to assist program participants throughout the homebuying process. Program participants are encouraged to take advantage of this resource.