 For some people, it allows them to get into a home. For other people, it allows them to improve their mortgage circumstances. So you could still put a down payment down. If you want to take advantage of the free 5% the state's giving you, maybe you want to put 15% of your own money on there. Now you've got a 20% down payment. You don't have mortgage insurance. You're saving hundreds of dollars a month. So these programs can suit a lot of people.