There are some programs to help the poor or disabled afford housing, it's for their primary residence only (so if you're thinking of an investment property, they would not apply). If you are are on disability, your contact at the disability office could probably help steer you in the right direction; you should also try contacting any organizations in your town or city that either provide services to or advocate for the poor or the disabled--they will also be good sources  of information. In addition, you should contact some of your local banks and ask their loan officers about any loan guarantees or subsidies or other programs to help the ppor.