<prompt> Human: A realtor today told us about a federal grant program, which helps first-time home buyers who earn less than 45K to buy a house, by providing an interest-free loan of up to 5 percent of the downpayment.Has anyone here ever heard of such a program, and know where I can find more information about it?  <response>: Thats not a standard program. That may be something local, or limited to certain houses or certain buyers. Youd have to ask the realtor what they are talking about.First-time homebuyers imagine they get special consideration, and thats just not the case in most situations. 