Section Breadcrumbs IHCDA Current: Homebuyers Homebuyers IHCDA Homeownership Programs Reservation Fee Find An IHCDA Participating Lender Income and Acquisition Limits First StepProgramThis program offers qualifying first-time homebuyers with 6% of the price of the home in down payment assistance. Next StepProgramThis program offers a one-time refinancing opportunity for IHCDA First Place and First Step mortgages. Step DownProgramIs a rate-only program for qualifying first-time homebuyers. Subscribe for Homeownership UpdatesSubscribe