In this video, I break down first time homebuyer programs the way I explain it to real clients: what’s true, what’s hype, and what can quietly cost you money if you don’t read the fine print. A lot of people hear “grant” or “assistance” and assume it’s free money with no strings attached. The reality is these programs can be awesome, but only if you understand the rules, the fees, and how they impact your monthly payment and long-term plan. I cover the 5 things they don’t tell you—like eligibility surprises, how income limits and household size can change everything, and why some “assistance” is really a second loan that has to be repaid later. I also talk about hidden costs that can show up through rate pricing, lender overlays, or program restrictions that reduce your options. My goal is simple: help you make an informed decision so you don’t get excited about the headline benefit and then get blindsided at closing. If you’re buying your first home (especially in CA), this is the framework I use to help you win and still protect your finances.