Low income first time home buyer grants?

I’m trying to buy a home in sullivan county new york. I feel like I am being given the run around. Everytime I find a house something changes, I looked at a house for 150k mortgage was supposed to be around 1300 a month, I decided that was a little high so I came down to 130k home mortgage still going to be 1200 a month, dropped down to 99k mortgage is going to be 1100 a month, closing costs are going to run 10k?

 The bank offered me a 6% seller concession but say I am still going to need 6 to 7 thousand dollars? The real estate agent told me to look into grants for low income or first time home buyer. We are a family of 4 (2 adults 2 kids) and income is about 37k, I however plan to go back to work once we move, right now we live in income based housing and it doesn’t pay for me to work, just more to pay to them. I am really at a loss here and need to know what’s going on, none of this makes sense to me and with things always changing, my interest rate has gone from 6 to 6.75%.

Tagged with: closing costs • first time home • first time home buyer • grants for low income • home mortgage • income based housing • interest rate • low income first time home buyer grants • real estate agent • seller concession • sullivan county new york

Filed under: First Time Home Buyer Loans and Grants