As a real estate broker, I understand the value of helping both people who need to save property from foreclosure and I also understand the need to help first time buyers with down payment assistance programs. By the way many counties and local authorities do have Down payment assistant programs.


I guess the answer is to help those with the greatest need. While there are many first time buyers struggling to come up with a down payment, there are still a large number of people that are in the foreclosure process that  trying to keep their homes.


This is the dilemma. I do not have a general solution for the problem. It takes time and knowledge to know the individual problem and solution.