Down payment assistance programs

[Saqib Mirza]

I have found several programs that help with downpayment assistance at the state level and pending legislation at the federal level(bidens Downpayment Toward Equity Act). I currently rent but my future plan is to invest in either a single family home or condo and house hack. The caveat with these programs is that if you move before 5 years of the loan closing date, you will owe a percentage of the grant back based on when move.

My question is are these types of programs not worth it in the long run if your trying to house hack over the long term for several years. I would obviously have to crunch the numbers on if its worth moving out and paying back a portion of the grant but be able to move onto another property. Or would I be wasting my time&money paying it back? Is there a better way I could go about it? Looking for anyone who has more knowledge on the topic in this type of hypothetical. 

Thank you!