It’s also worth noting that state and local housing finance agencies run the highest-volume programs, and they often offer a combination of a first mortgage and second-lien assistance.If those numbers are starting to look too good to pass up, the fastest way to find active programs is to use a database tool, such as the one offered by Down Payment Resource (4), to search by location and household details.For example, the Federal Home Loan Bank of New York Home Buyer Dream Program (HDP) offers as much as $19 ...