CHAPTER 9 Free Money, Tax Breaks, and Unicorns – Homebuyer Programs That Actuall ctually Exist y Exist Buying your first home can feel a bit like being handed the keys to adulthood... and then realizing the keys are made of paperwork, credit reports, and mysterious acronyms no one warned you about. The good news? You don’t have to go it alone—and there’s actual free money out there (yes, really) to help you out. We’re talking grants, tax credits, and first-time buyer perks that can turn your homeownership daydream into reality—without selling a kidney. Let’s dive in. First-Time Homebuyer Grants: AKA Government-Funded Magic You’ve probably heard that buying a house comes with a hefty down payment and closing costs. Cue dramatic gasp. Fortunately, the government realizes this is a lot—so they offer grants to help first-time buyers cover some of the cost. And get this: grants don’t have to be repaid. That’s right. They’re not a loan, not a debt, not a favor you owe your Aunt Carol. It’s just money to help you buy a house . You're basically being rewarded for adulting. These grants are often targeted at revitalizing certain communities (urban homesteading, anyone?) or helping
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