Under the program, no down payment is required, but borrowers are responsible for paying the closing costs associated with the home purchase. Cash for closing costs can come from a variety of sources, including a grant from a qualified institution; gift from a relative or an unsecured loan. Borrowers can have incomes up to 120 percent of the area median.

Borrowers interested in this no down payment mortgage program can contact the participating lenders at the following numbers:

• Countrywide Home Loans: (800) 577-37-32
• North American Mortgage Company: (800) 700-62-62
• Chase Manhattan Mortgage Corp: (800) 894-54-40

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