Loan Program
Down Payment Assistance
State, local, and grant programs to help you get in the door.
Overview
Down Payment Assistance (DPA) programs help cover down payment and closing costs through grants, forgivable loans, or low-interest second mortgages.
Key Benefits
- Reduces upfront cash needed
- Can be combined with FHA, VA, or conventional
- Many are forgivable over time
- Available for repeat buyers in some areas
Qualification Highlights
- Income limits typically apply
- First-time buyer requirements vary
- Home buyer education course often required
Frequently Asked Questions
It depends — some are grants, some are forgivable, and some are second liens.
Questions about Down Payment Assistance?
A licensed loan officer will walk you through your options — no obligation.