I live in Fargo, ND (Job in Fargo, ND) and I have been looking at potentially buying a home early 2016. I would qualify under the FHA loan program but not sure if I would have 3.5% by then. Wondering if any of you have experience in utilizing downpayment assistance programs? Looks like both ND and MN have them and since I could live in either Fargo, ND or Moorhead MN, I was thinking about trying to obtain the assistance. Looks like I qualify under both programs salary minimum reqs ($ 51k a year). Fargo has 3% of house or 3k whichevery is greater and I think MN has up to $ 7.5k assistance can use for closing and or daypayment. How hard are they to obtain? Thanks!