This city's First Time Home Buyer Program is only for people who have not owned a home in the past 3 years; Household income less than or equal to 80% of the area median income adjusted for family size; Must be able to afford a monthly payment based on income and debt; Must contribute at least $500 of personal funds towards down payment/closing costs. This program provides up to $95,800.00 in down payment and closing costs to eligible first time home buyers.