You can find a great deal of information about Down Payment Assistance Programs on their Web sites, including e-mail addresses and toll-free phone numbers that allow you to speak with a customer service representative who can answer any questions.

Here's how to find the five largest DAPs:

The Nehemiah Program has helped 225,000 individuals and families buyers since it began in 1997, providing up to 6% of the purchase price for down payments and closing costs.

AmeriDream has helped more than 350,000 buyers since 1999 with gifts of up to 10% of the sales price.

Partners in Charity has given more than 300,000 buyers between 2% and 10% of their home's purchase price.

Consumer Debt Solutions makes 500 to 600 gifts a year of up to $10,000.

Housing Action Resource Trust grants buyers as much as $15,000, primarily for homes in government-designated revitalization areas.