<prompt> Human: My wife and I feel like it is time to buy a house. We paid off her 32k in student loans awhile ago in a little over a year and have saved up roughly 35k for a down payment. My sister and her husband bought a house and were allowed to only put about 3-4 down on their house because they were first time home buyers in Tennessee. I think that is ridiculous. Obviously, that is not something I am aiming for. I have looked around at some options in Tennessee but it seems like most, if not all, are geared towards helping with lowering a required down payment.Thanks, everyone.  <response>: Most government programs are meant for poor people or people who dont save money, so I dont think youre going to get much help from the government. Im not quite sure what youre asking. Just get yourself a traditional mortgage with 20 percent down. 