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Think homeownership is out of reach because of the down payment? Think again. Here's a simple step-by-step guide to applying for down payment assistance: 1. Check if you qualify—look at your income, credit, and local program rules. 2. Gather your documents—ID, pay stubs, bank statements, and tax returns. 3. Complete the application carefully—don't skip the financial education or coaching steps. 4. Submit your application and stay in touch for updates. 5. Prepare for closing day with confidence,
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