Wait. You don’t have thousands of dollars in your bank account to put down on a new home? Don’t worry. You are not alone. Down payment assistance programs help home buyers with loans or grants that reduce the amount they need to save for a down payment. If you qualify, you could receive agrant or a low- or no-interest loan to cover your down payment or even closing costs.

There are many down payment assistance programs (over 2,500 across the country) with most of them being at the local level, state or county, and eligibility requirements will vary from one program to the next. Most will require that you are a first-time home buyer (which by definition is that you haven’t owned a home in three years) and you will still need a halfway decent credit score and meet some income requirements (below certain income limits). Lastly, programs will require you to work with lenders who participate in the programs so you will need to use one of the lenders they have approved.

You should be aware that some stipulations may be placed on your purchase. Some grants don’t have any stipulations, while others, for instance, require the property to be owner-occupied for a certain length of time. The property will also need to qualify.

Read: 10 Common Downpayment Myths Debunked

Many renters actually have the income and credit qualifications to buy a home, and simply need to overcome the down payment hurdle. Don’t let long held myths about down payment assistance programs hold you back. Check your availability now!