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I would never recommend that you get into more debt to make a down payment. My personal advice is that if you do not qualify for legitimate help from a known charity or government agency that you delay buying your first home until you can make the down payment.
While there are private lenders willing to provide down payment funds, the interest rate charged is going to be high because they know you can not find the money through traditional means.
Try to stay away from private funding ventures.
Kirt Eure
