Buying a home today is a bit more challenging than it's been in the past, thanks to federal regulations which led to the housing collapse of 2008. Among the most difficult tasks is coming up with an acceptable down payment. And although down payment assistance programs are available to first time home buyers and repeats alike, they are far fewer in number and harder to come by. If you're considering purchasing a home in the next few months there are some important things you need to know about down payment assistance.