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\par \par \par 					There are also these local first time home buyer programs:\par \par 	Biloxi &; Gulfport Gulf Coast Community Action Agency Inc HOME Grant (HG) (228) 8961409\par Biloxi PRIDE Homeownership Program (PRIDE) (228) 4356280\par MS Home Corporation. MHC administers 2 grant programs on behalf of the Dept. of Education and MS Development Authority. They are the Housing Assistance For Teachers (HAT). Up to a $6,000 Grant if they teach for a period of 3 years in a critical shortage public school district.\par The other program is the household with someone that is permanently disabled. It's called Home of Your Own (HOYO). This a grant of up to $15,000 depending upon household income. MHC offers other programs for firsttime buyers. Most are in the form of a second mortgage (3% of the loan amount, 10year fixed rate) and then one program that offers a 3% Cash Advance and that is with the Mortgage Revenue Bond Program. (601) 7184626\par Newton FirstTime Homebuyer Grant Program (GRANT)  (601) 6836181}