If joining the 65 percent of Americans homeowners in the U.S. is important to you, but funds are lacking, fear not! We are fortunate in the DMV region that there are many First-Time Home Buyer programs that will accommodate reduced availability of funds. And, in addition to negotiated seller credits an experienced Realtor can negotiate on your behalf, a first-time home buyer could potential come to the table with ZERO out of pocket costs. This is the biggest hurdle I have seen for those considering the purchase of a first home. But it does not have to be, as the programs reviewed below are meant just for YOU!