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Why not review resources at the NYC Housing authority or SONYMA at the state level?
New down payment assistance program coming in March! Talk to (several) lenders and get the scoop. Don't quote me on this, but I think it's something like 4% in Tucson and Pima counties for first-time home buyers - FHA USDA VA - 640 FICO. Again, talk to a lender for your area, I'm in real estate, not lending ;-)