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First Time Home Buyer Without Down Payment First-time home buyer program There are numerous programs available to first-time home buyers. Sometimes these programs are offered through a particular bank or credit union, but several are offered through the government.Minimum Down Payment For Fha Buying A Home In Houston Texas Traditional Mortgage Down Payment Tap your Roth IRA for a down payment – Interest – Turning to your Roth IRA for the down payment on a home can be a good move. Taking money out of any other Individual Retirement Account or your employer’s 401(k) plan is not. We know how difficult it has become to get a mortgage without a substantial down payment. With much of our savings now tied.