I am looking for down-payment assistance. I seen that you have two options as a gift or a 2nd mortgage forgiven after 7 years. I just went under contract 4-19-2021. Due to a car accident and other breaking things I had to use part of the money I saved and my tax return is delayed due to all the other situations the irs is doing. I really need the help so I don't lose this home. Thank you for a call back it greatly appreciated.