literally just talk to a mortgage advisor, you almost definitely have some sort of forgivable second mortgage kinda thing in CA. almost every state does, you can use them for down payment + closing up to like $10,000 or a certain percentage, and they’re usually forgivable after 10 years with no payments (unless you sell before 10 years, then it comes out of your equity).
>>279966he’s not a real jew because zionism is antisemitic