<prompt> Human: My husband and I qualified for a home loan and are just nearing the end of purchasing our home. I think. We qualified for MHPone, its a type of mortgage for low income people like us. We can put down 3 and there is no PMI. We have 10,000 to go towards closing and down payment and the home is being purchased at 140,000.The thing is, we also qualify for this grant as well, as far as our lender tells us. It would be about 12,000 towards closing and down payment. Its unsure if we would get it though due to the rate it is going the last round went 200,000 a week, there is about 700,000 left in the funds currently What he neglected to tell us is that there is a 3 week processing period to see if we actually qualify and can get the money. He didnt tell us until after we had negotiated a PS agreement and set our closing for May 26, which we need an extension on as well because our lender wasnt able to verify our rent payments with our bank statements. We rent from family and they accepted cash only Instead of emailing a Verification of Rent form at the end of April when he was having trouble, he waited until 4 days before our closing date. Anyway.We are trying to extend our closing date approx. 3 weeks to see if we can get those grant funds could get up to 12,000 that would go towards closing and down payment The sellers of the home are anxious to move to California and dont want to push the closing date unless we pay for a month of their expenses. We are trying to decide whether to risk it and pay a month of expenses for the seller in order to possibly get the grant funds, or just forget the grant and go ahead with closing asap with the funds we have. On another note, weve had really bad luck with life since weve been married and were just ready to start new with our family.EDIT: Just got word back from our realtor that the sellers have agreed to an extension, but will no longer pay 2000 towards closing. Nothing has been agreed to or signed yet.EDIT 2: Not saying this whole situation is bad luck, just saying weve had a lot of it lately and dont want this to turn into bad luck financially. With finding the property and getting the deal were getting with the mortgage, its pretty lucky please dont let this jinx me. Yall are just making me realize that were in a better situation that what Im worrying about, because Im a worrywart by nature. I think I just needed to write out my frustrations with this whole process to see this isnt as bad as I made it to be in my head.As for the 12k grant; its more likely than not that we wont get it. When I had talked to our lender last week there was about 700,000 left and it was going down about 200,000 per week. After 3 weeks, wed be at the bottom of the barrell and we werent too enthused about paying or waiting extra time and money if it was that close to the line. I spoke to our landlord as well, shes very understanding of the situation and is very frustrated for us. She did have tenants lined up for the first of June, but has offered to let us stay until the closing date, which is still being negotiated.  <response>: I have to say this sounds very typical for buying a house or refinancing a mortgage. I have perfect credit and refinanced a mortgage recently and it took over 3 months to get done, there were delays with the appraisal, paperwork, some weird clause that the two lenders couldnt agree on etc.I once bought a condo on a short sale and it took 6 months to close.Buying a house isnt like buying groceries or even a car, spending several weeks if not months on the whole process is pretty typical. It doesnt sound like youre far off track, just stay with it. Youre getting great help from grants and government programs and if you stay focused you could own your own home shortly. 