Upon entering the program, the buyer must attend Homeownership Counseling provided by the City of Tyler in order to receive down payment and closing cost assistance. The Homeownership Counseling will provide training to enhance home management skills.  Topics to be covered will include money management, comparative shopping, use of credit, debt management and homeowner's insurance and property taxes.  A review of the homebuyer's income and expenses and the development of a budget will be included.