I keep getting notice for a program called IRRL.I just bought the house a few months ago.

Insurance looks right, but the way to determine that is to have your insurance agent (in NH) get a loss run report and quote you ahead of time. 

They are worth their weight in gold. 

NACA (naca.com) has a no downpayment, no closing cost, no PMI program.. 

I really am at a loss as to where to start.

I found a program where I could draw a 10 mile radius around my own house.  

@Samuel  - never heard of this type of program before - we have some similar types of grants here but I am in California.

Your money helps protect against the lender taking a loss and makes it less likely that you will walk away from the project.

The irony is that although you think "having to pay thousands of dollars" for an attorney is a bad idea, the other 2 parties clearly thought the property was worth the legal risk-- they were willing to risk their own thousands of dollars, a breach of contract, and loss of the asset over it, not to mention some sort of likely punitive damages since they were a lender and the property was REO.

I got out of the program for our rental years ago.