are there any assistance programs for senior buyers?

FHA allows for 3.5% down, and there are programs which allow for grants or gifts.. if she has 30% down of her own money, she can purchase using a reverse mortgage and have no principal / interest payments ever.. but the best place to start would be to contact a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

She also may be eligible for Reverse mortgage. Good way to keep her in a home without payments