It’s like the programs are engineered to actually not help anyone unless you have a very specific situation. Basically you have to be a high earner and can afford to buy over the asking price or living below the poverty level in which case the program works just fine for you. I honestly think the limit on personal savings is downright irresponsible of them. There’s alot of shit that can go wrong and need repair when buying a house so for them to disqualify people for building up their savings is asinine.