No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
So am I understanding right that you are seeking home loan with a downpayment assistance, too? So your problem is that you do not have a downpayment for a home? Can you tell us more like current debt (monthly CC, auto, student loan, installmen loans), Mortgage scores, and income at the moment? Are you seeking a home this year, or next year after you file for taxes? Others may chime in and give you more info...