In today's real estate market, potential homebuyers are finding it increasingly difficult to save the capital needed for a down payment, which prevents them from buying a home.Among these people are first time homebuyers who are struggling to save for a down payment, current homeowners who would like to move up, but who do not have sufficient equity to effect a move-up; former homeowners who were forced to sell due to job transfer, divorce, illness, or other financial reasons. Whatever the circumstances, The Gift Program is here to assist you.