Shoring up a veteran's down payment/closing costs

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Shoring up a veteran's down payment/closing costs

I don't really know where to start as I have never shown anyone that I am willing to accept financial gifts in order to reach a life goal. I'm 35, married and have a step daughter. I've always dreamed of owning a house but the finances and time has never been right. With housing prices skyrocketing and the student loans we carry it looks like we will be well in the ground before that time is right.

So I dug through Colorado's down payment/first time home buyers programs. I made calls, visited local housing authority offices, and did my homework to  try to find something to help put the keys to a door I own in my hands. Nothing exsists for us. We apparently make more than we should. Not much more mind you but just enough to put us outside of down payment assitance programs. It's like we clawed our way up the other side of the economic canyon so we don't live paycheck to paycheck but now we're not eligible for the assitance that would put us in a home.

With that "first world problem" that my family and friends have described with flavorful snidness, it still leaves me well short of a solid down payment.

Anyone who stumbles across this will say 'But VA Home loans can be had with no down payment. What's the problem?" The problem is affordability. I live and work in Colorado. Without a down payment on a house there's no way that I'd be able to afford the mortgage payment. Sure I'd have something I could call my own but I can't dance the razor's edge of not being able to pay my mortgage. I already work between 60 and 80 hours a week, getting a second job isn't in the cards.

Anyway. It's a lot to ask but there's a lot of good people out there with a few pennies that could throw them all in a pile and make homeownership become a reality for one family.

It's terrible that stolen valor is a thing but I was in the USCG from 2002 to 2005 stationed at USCGA Waterfront in New London CT. Discharged honorably. I have a 70% disability rating from the VA.