Purchasing a home is an exciting time for the home buyer, however, it is very expensive, especially if the buyer does not have all the money for a down payment. Sometimes, potential home buyers get loans from their families or take loans out against their retirement funds. Those methods can be a bad idea because the loans have to be repaid and most loans require interest to be paid. Instead of simply paying back the amount loaned, the amount plus the interest is required. Savvy home buyers utilize government grants as a form of financial aid that allows them to purchase a home without having to repay the money given to them. The 2016 housing grants can be obtained in a variety of ways. They can also be given to people who work in certain occupations. For easy steps on how to apply for housing grants 2016, keep reading.