First Time Home Buyers/Tampa/Down Payment Assistance

First, I would like to note that this is tutorial for Florida First Time Home Buyers, if you are reading this from another State, Go to HUD.Gov and look up your State for your programs available to you. Now follow along, Florida Buyers go to http://www.hud.gov/local/index.cfm?state=fl&topic=homeownership. From this page click on Housing Counseling Agencies. You must take a class from one of these agencies in order to qualify for Down Payment Assistance. My Daughter recently completed this program and qualified for a down payment assistance loan of $7500, which can be used for down payment, closing costs and prepaid items. She needed about $500 out of pocket, "Sweet" as she put it. For more info, you can e-mail me and I can answer any of your questions.