Do you have a good job and good credit but just not a whole lot of cash on hand?  Consider using an FHA loan-good for purchase prices of $420,000 in Chester County.  With as little as 3% down and 6% allowable Seller assist towards your closing costs make this program very attractive and affordable.  Ex.  $200,000 purchase price-$6000 needed for down payment, $12,000 Seller assist towards closing costs (insurance, points, mortgage fees, transfer tax, etc.).  The seller nets $188,000 and you get in your new home for $6,000.  Contact me today for details.