<prompt> Human: I live with my brother and we have been renting a townhouse together. However, our landlord is moving into the townhouse and we have to be out by the end of the month. My brother and I figured we should buy instead of renting, given that renting is getting too expensive for us. He got approved for a mortgage of 250k. We have been looking for houses around 175k to fit our budget. This is where things get tricky...my brother doesnt have enough saved for a down payment. Should we rent until we can save a little bit of money for a down payment? Is there anything we can do that will give us the opportunity to put a little less than 3.5 as a down payment? Or should we just continue renting and not have anything in savings? I honestly dont know what to do, I want to find the best and least expensive way out of this, especially since we dont have much time. Also, he got approved for FHA. Im not sure if thats helpful.  <response>: Look into down payment assistance in your state. My wife and I are buying a home in Missouri and MHDC will give you a 4 of the purchase price grant towards closing costs down payment just for meeting basic qualifications 620 credit score, income cap, house purchase price cap, etc. I had no clue that this existed until I stumbled upon it and did my research.and before anyone says if you cant afford the downpayment you cant afford the house we had the money for down payment and closing, but if someone is going to offer us 4k for free im going to take it. We get to hold a little bit of money off to get a better fence installed for privacy and our dog. 