Want to buy a home but can’t seem to get ahead enough to save for the down payment? What if you could snap your fingers and make money appear, specifically down payment money? Well, start snapping and say hello to down payment grant programs. Sound too good to be true? It’s not. There are programs available to help deserving folk—people with decent credit and stable work histories—get a home without having to save up for years while pouring rent money down the drain. And even better—because they’re grants, you never have to pay them back. More than 200,000 homebuyers nationwide have benefited from these programs. Nonprofit organizations like Partners in Charity and the Genesis …