Okay, so here goes. I'm 52 and am just purchasing my own home. I'm late to the game for sure. In my late 20's and early 30's, when I should have been thinking about and preparing to buy a home, I was busy trying not to get hurt in an abusive relationship. I was the sole breadwinner, so there was no money to be saved and my credit was destroyed trying to keep things afloat. After all of those years of being stuck on stupid, I found myself with 2 toddlers (13 months apart) and not a lot of hope for their futures if I didn't get out -- so that’s what I did. I have sole custody of my daughters, and have been raising them myself with no financial help from the father. It's not a unique situation, and it's one of my own making, I know this. I’m college educated, have always had a full-time job and have taken care of things myself. Anyone can find themselves in my situation – it’s not exclusive to education, economic status, or any of the other stereotypes that are assigned to it. I’m living proof of that. My girls are now almost 17 & 18. They are awesome, successful kids -- I know I’m patting myself on the back, but they are. I used every resource I had to make sure that they had a chance in this world. My oldest is going to college (another crazy expense) and my youngest will head there next year. We’ve been renting our house for 3 years and are very settled here; we have finally found home. The house is in a great neighborhood with friends and family close by, but the property owners want to sell and have given me first crack at it. I’ve worked hard to qualify for a mortgage, and I’ve managed to save a good chunk of money for a down payment and closing costs, but I don’t have enough. This wouldn’t be a problem if I had a little more time, but the owners are keen on closing within the next couple of months. I’ve exhausted all of my resources, saved what I could, and sold anything I had that was worth anything.I had hoped that this would be our permanent home -- a home where my kids will come back from college to stay, a home where they will eventually bring their husbands and grandkids to visit, a home that I will live the rest of my life in and that will provide a lot more memories for my daughters and our family. So, I’m asking for help; something that I’m not particularly happy about or good at, but it’s important for me to be able to make this happen for them, and for myself. I know that there are people with far worse needs that this, and to some of you this may seem shallow, but I can’t convey how important this is to us. We’ve come through a lot and to lose it all in the final hour would be a devastating blow. I sincerely appreciate any consideration and help you can provide. Thank you.