Unfortunately, if there missing some of the major stuff, there are probably other items that your PM is neglecting that you're not aware of yet. 

Only VA and USDA loans allow for 0% down and in certain circumstances. 

Due to the houses old age and possible neglect from previous owners, I have spent a lot on rehab and still have a laundry list of work to get done (I do not want to disclose any of the issues on the forum). 

Let's connect and I'd love to learn more about your present circumstance and how we get you to where you want to go. 

When invoices are coming in at 20 grand a pop, it's easy for a matter of a couple of weeks to drastically change the circumstances. 

The program even provides up to 3% in closing cost assistance for first-time buyers who complete a homeowner education course.The process of buying a foreclosed home can vary depending on the circumstances, but this is generally how it will work:Find a home to purchase.

I have had terrible circumstance after the other.

Having preexisting knowledge of significant issues with your structure opens you up to other exclusions such as failure to maintain, neglect, or normal wear and tear.  

Recently purchased OOS/Iowa duplex which had a long neglected lawn which resulted in woody stemmed plants growing.

Quick online search says overpayments do happen, typically as a result of failing to report some change in circumstances that affects eligibility.