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First-time buyers in Southern states can access several benefits, including tax credits, down payment assistance, and lower mortgage rates. Southern Home Ownership Programs cater to new buyers by reducing upfront costs and easing qualification requirements. Some states even offer special loan forgiveness programs for those who meet certain conditions. Additionally, government-backed loans like FHA and USDA can help lower-income buyers qualify for better financing. Before purchasing, explore available options, compare interest rates, and seek guidance from housing counselors to maximize savings and opportunities.