While regulators are moving toward requiring high downpayments for the majority of home buyers, there are still ways to aid first time buyers, according to Obama administration officials.

Testifying before a Senate panel this week, Treasury secretary Timothy Geithner said the Federal Housing Administration (FHA) will be able to offer lower downpayment loans than would conventional lenders. "We have lots of ways, not just through FHA, to help them afford that first home," he said.

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