home mortgage "free money"

[spentitall]

I am looking to buy my first house by the end of this year hopefully.
I need to find a way to find some way to get more money for a down payment. Work only goes so far, keeping caught up with bills n all.. My money tree isn't growing fast enough. When i did my phone interview with my bank for a prequalified loan amount i asked about first time home buyer down assistance n she said i make too much $$. Now I'm sure that's not really the case. What's out there but maybe just not in plain site?

[JTapper]

www.mnhousing.gov

Tons of information there from the MN Housing Finance Agency.

[JFettig]

I wish I had +5-10k on top of my down payment when I bought my house. Stuff comes up.