You explained the DPA's perfectly in your post. I'm working with quite a few brokers in Ohio right now and they are using the "afford a home". It's an up to $20k 2nd lien. The payment is deferred. I get a lot of business from them because they were having a difficult time finding a bank that would do that particular program with credit that is little dinged up. As long as it is HUD approved we will normally do it.