I’m not sure there are any “best strategies”. I think you have to explore all the options, and come up with whichever one, or whichever combination, works for you.

The best strategy is to save your money.  After saving funds towards down payment and closing costs you can ask a Real Estate professionalto help you explorer down payment grants that could be available through your city, county, or state. Saving first is always the best strategy.

For first-time home buyers, coming up with the money for a down payment can be the most challenging part of the home buying process. Some strategies that can help you save for a down payment include creating and sticking to a budget, avoiding debt, and finding ways to increase your income. Additionally, you could explore options such as government grants or loans that can assist with the down payment process, such as FHA loans or VA loans. Finally, you could consider a no or low down payment loan option from a lender, depending on their qualifications and requirements.