The Fund initiated a 3-2-1 buy down program to help families buy a new home. Under this program, buyers of new or never lived in homes can purchase those homes with below market interest rates during the first three years of the loan. The first year rate is lowered by 3%, the second year the rate is lowered by 2% and the third year the rate is lowered by 1%. This allows purchasers of new homes to adjust to the new payments and save substantial money in the process.