There is 100% financing available for Waterbury, Ct. through Webster Bank using the HOPE PROGRAM. The great thing is it is not just for 1st time home buyers and as little as $500.00 is needed as a down payment. Other features include no private mortgage insurance, no minimal credit score, seller contributions of 3% and below market interest rates. Homebuyer classes are required but can be taken on-line at your convenience. With the prices of homes in Waterbury on the decline, using this program is a great alternative to renting. Call me for more details @ 203-723-9963.