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Sarasota Mortgage and First Time Home Buyer Tax Credit Update What are homebuyers really searching for? Google gives us the answer, literally First Time Home Buyer Grant Program NCHFA Also offers a 3% and a 5% Grant that can be used for down payment or closing costs. The minimum credit score required for the Tax Credit or the Grant program is 640. This means that 2 or your three credit scores need to be at or above 640 to qualify for the program.

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