There are other down-payment assistance programs for [tag]first-time home buyer[/tag]s offered by the [tag]Federal Housing Authority[/tag] (FHA), the [tag]Department of Housing and Development[/tag] (HUD) and other state and federal government agencies. Minorities and low-income families may be eligible for the American Dream Down Payment Initiative (ADDI), passed in 2003. ADDI allows eligible first-time home buyers to receive as much as $10,000 in down payment assistance. State housing departments and redevelopment agencies also offer grants and other assistance for first-time home buyers. Check your phone book or find them on the Internet.