My husband and I are newlyweds – we currently live with my mother and we are ready to buy our own house. We have never rented, but we chose not to in hopes of saving money and buying. We are ready to move out and hopefully purchase a home as soon as we can, but we haven't been able to save as much as we think we need. I would like to learn more about down payment assistance and what the steps are that we need to take.