Down Payment Assistance

Buy a Home.
Keep More Savings
in Your Pocket.

Your down payment does not have to stand between you and homeownership. Explore assistance programs that can reduce your upfront costs while helping you preserve savings for life after closing.

Options available for eligible first time and repeat homebuyers.

Apply Now
Eligible buyers
Preserve savings
FHA financing
Assistance Programs

Assistance Options
That Fit Your Goals

There are several types of down payment assistance programs, each with different benefits and requirements. We help you understand your options and find the right fit based on your goals, financial situation, and eligibility.

Grants

Funds you do not have to repay, available for eligible buyers through select programs.

Forgivable Second Loans

A second loan that may be forgiven after meeting certain requirements, such as occupancy.

Repayable Second Liens

A second loan with set repayment terms, usually at a low or no interest rate.

We help you understand the costs, requirements, and repayment obligations before you choose a program.

Family carrying moving boxes into their new home
More Than Just a Down Payment

Keep More Funds Available

Down payment assistance can reduce the amount of cash you need to purchase a home, so you can keep more of your savings for other important expenses.

Emergency Savings

Keep a buffer for the unexpected.

Moving Expenses

Cover your moving and relocation costs.

Furniture & Appliances

Set up your new home comfortably.

Home Maintenance

Have funds available for future repairs and upkeep.

Assistance can reduce the cash you need to purchase a home, but it does not automatically eliminate every upfront expense.

FHA Financing

FHA Financing for Your
Primary Residence

Down payment assistance options are often paired with FHA loans and require primary residence occupancy for at least 12 months. Some programs may require a longer occupancy period for forgiveness or to avoid repayment.

12+ Months

Primary residence occupancy required, with some programs requiring longer.

Eligible Properties

Eligible Property Types

Down payment assistance can be used for a variety of property types, subject to applicable FHA and program requirements.

Single Family
Homes

Townhomes

FHA Approved
Condos

Duplexes
(2 to 4 Units)

Manufactured
Homes

House keys being handed over in front of a home
Lower Your Upfront Costs

Seller Credits Can Help With Closing Costs

Up to 6%

A seller may agree to contribute up to 6% of the sales price toward eligible FHA closing costs and prepaid expenses, subject to actual allowable costs and program requirements.

Seller credits cannot replace your required down payment.

Combining eligible assistance with negotiated seller credits may further reduce the amount you bring to closing.

Lender Considerations

You May Still Need Reserves

Even with down payment assistance, some buyers may need verified funds remaining after closing. The lender reviews your complete financial picture to determine which options may work for you.

Credit

We review your credit history and overall credit profile.

Income & Debts

Your income, existing debts, and monthly obligations are evaluated.

Available Funds / Property

You may need reserves after closing, depending on the program and property.

Let's Plan Your Next Chapter

A Practical Way to Enter
the Real Estate Market.

Whether you're buying your first home or purchasing again, down payment assistance may help you become a homeowner while keeping more savings available. Let's compare program requirements, forgiveness timelines, and repayment terms with your plans before you commit.

Apply Now Book a Consultation

All loans are subject to credit, applicable underwriting findings, and lender approval. Assistance availability, income limits, credit requirements, property eligibility, and funding vary by program. Selling, refinancing, or moving out may trigger repayment under certain programs. FHA mortgage insurance applies.