First Time Homebuyers Program The First Time Homebuyers Class is designed to assist low to moderate-income families with the home buying process. Completion of this class entitles qualified families with down payment and closing cost assistance. Classes cover: • Preparing for homeownership:Creating a household budget and deciding how expensive a home you can buy • Shopping for a home: Decide what you want and negotiate the purchase price • Obtaining a mortgage: Apply for a loan and learn the loan process • Closing: Learn what happens at closing • Life as a homeowner: Maintain your household budget and meet you objective as a borrower