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How much down payment do I need Stewart J Lowe \u0026 Assad Naeem BMOWhen paired with other home financing programs, eligible borrowers can receive up to $20, in combined assistance. With the help of these. Local Down Payment Assistance Programs. State of Illinois: USDA Rural Loan BMO Harris Affordable Mortgage Programs [PDF] � Chenoa Fund � Down Payment. � Be able to qualify for mortgage financing from BMO Harris Bank N.A., subject to credit A: The grant can be used for closing costs and/or down payment.