there are non-profits that help with down payments. Is anyone aware of such groups?
Those groups are scams and conduits used by developers to get around downpayments rules. They increase the price of a house and turn around and funnel downpayment assistance to the non-profit which "gift" the money to the home buyers. FHA and other programs allow gifts to meet down-payment requirements.
We have regulators that looks the other way as buyers get suckers into those types of deals.
