ALT The FirstHome Program requires that all parties to the mortgage be owner-occupants and that the incomes of all, including co-signers, be included in the calculation of income eligibility for buyer assistance. "First-time buyer(s) May qualify for a loan up to $20,000 for down payment or closing costs with 0% deferred loan interest, due upon sale. Must be at or below 80% Area Median Income (AMI), according to household size."