We didn't know a lot about the programmes that were available, and back in 20 12, it just wasn't really publicized too much what was available to us. We we just paid it all uf. You carved it out of your budget and sent it into the lender. One of my biggest pieces of advice as similar to what you give people as drive a used car. Don't buy a house right away, because you're likely to leave your first job,. As we did a couple of years end. Live in that crummy rental just a little bit longer...you'll appreciate the nicer house even more when you really have the money to enjoy it. And then just get in the