Down payment assistance programs

We believe that homeownership should be accessible to everyone, and you don't need a large down payment to qualify! As an independent mortgage lender, we take pride in treating our customers as people, not just numbers. We understand the challenges of homeownership in today's challenging housing market, and our various Down Payment Assistance (DPA) loan options are designed to help eligible homebuyers reduce upfront costs and take that important first step towards building equity and wealth for the future.  While qualifications may vary for each program, don't worry - we're here to listen to your specific situation and help find the best option that fits your needs.

Most Popular Down Payment Assistance Options

Discover a down payment assistance program dedicated to homeownership! Contact us today to learn more and experience the personalized service of an independent mortgage lender that cares about your homeownership journey!  Let's discuss your eligibility and find a solution that works for you. Contact us today to learn more get started. 

State and Local Down Payment Assistance Programs

Our experienced team is dedicated to helping you navigate these down payment assistance options and find the program that suits your unique needs. We understand that every homebuyer's situation is different, and we strive to make the process as straightforward and stress-free as possible.  For a list of home purchase down payment assitance programs by state please contact a licensed loan expert or call us anytime at 800-965-0124.

State Funding Source Program Name
AL City of Mobile Down Payment Assistance Program
CA Alameda County Community Development Agency AC Boost Program
CA California Association of Realtors Closing Cost Assistance Grant
CA City of Lancaster First-time Homebuyer Program
CA City of Long Beach First-Time Homebuyer Program
CA City of Oxnard Homebuyer Program
CA Chukchansi Indian Tribe Down Payment Assitance
CA City of Woodland HOME Program
CA Community Housing Council of Fresno First Time Home Ownership Grant
CA Community Housing Development Corp of North Richmond (CHDC) Black Wealth Initiative
CA Community Housing Development Corp of North Richmond (CHDC) CalHome
CA Community Housing Development Corp of North Richmond (CHDC) CityLIFT
CA Federal Home Loan Bank of San Francisco AHP / WISH Grant
CA Fort Sill Apache Housing Authority DPCC Program
CA Penchanga Tribal Government Down Payment Assistance
CA Redding Rancheria Home Ownership Program Grant
CA Santa Clara County Realtors Foundation Down PAyment Assistance Program
CA Scripps Research Institute Employee Housing Allowance and Relocation Program
CA Shingle Springs Band of Miwok Indians One Time DPA
CA Town of Truckee Home Access Program 
CA University of San Diego Home Buying Assistance Program
CA University of Southern California Faculty and Staff Housing Program (FSH)
CO Chickasaw Nation One Time DPA Grant
CO City of Grand Junction Employer Grant
CO Colorado Housing Assistance Corp CHAC Down-Payment Assitance
CO Eagle County Housing & Development Authority Good Deeds Program
CO Greeley Urban Renewal G-HOPE
CO HomesFund Down Payment Assistance Program
CO Impact Development Fund Colorado Down Payment Assistance Fund
CO Project I See You Shared Power Homeowner Iniative Grant Award
CO Shabbat House Project Home Purchase Grant
CO Summit County Housing Helps
CO Town of Dillon Employee Housing Down Payment Assistance
FL Florida Housing Finance Hometown Heroes Housing Program
FL Broward County Homebuyer Purchase Assistance / HOME Investment Partnerships Program
FL Brandt House Inc DPA Grant
FL City of Boynton Beach SHIP
FL City of Davie SHIP First Time Homebuyer
FL City of Delray Beach  SHIP
FL City of Fort Pierce SHIP
FL City of Hollywood First Time Homebuyer Purchase Program
FL City of Largo SHIP
FL City of Orlando SHIP Down Payment Assistance Program
FL City of Palm Down Payment Assistance
FL City of St. Petersburg Purchase Assistance, SHIP Funds
FL City of Tamarac Firsts Time Homebuyer Purchase Program
FL City of Tampa East Tampa CRA Down Payment Assistance
FL Columbia County / Suwannee River Economic Council SHIP
FL Dixie County / Suwannee River Economic Council SHIP
FL Gulf County Hurricane Housing Recovery Program
FL Hamilton County SHIP
FL Nassau County SHIP
FL Okeechobee County SHIP
FL Orange County Down Payment Assistance Program
FL Palm Beach County SHIP
FL Palm Beach County Workforce Housing Program
FL Pinellas County SHIP
FL Pinellas Realtor Foundation DPA Grant
FL Polk County HANDS of Central Florida GAP Program / SHIP
FL Reatlors Care Foundation Home Buyers Grant Program
FL Solita's House Inc Down Payment Assistance Program
FL Sumter County SHIP
GA Augusta Housing & Community Developement Department Homebuyer Incentive Purchase Program
GA City of Augusta NSP Homebuyer Subsidy Program
GA City of Columbus Sweet Home Columbus
GA City of Savannah Dream Maker Homebuyer Program
GA Clayton County HOME Program
GA Community Housing Services Agency Assisted Home Purchase Program
IL City of Collinsville First Time Home Buyers Program
IL City of Peoria Down Payment Assistance Program
IL Madison County Community Development HOMEOwnership Loan Program
KY City of Covington ARPA Mortgage Assistance Program
KY Norton Healthcare Norton Healthcare Employer Housing Program
LA Lafayette Government First Time Homebuyer Program
MD Arundel Community Services Mortgage Assistance Program
MD Baltimore City Employee Homeownership Program
MD Baltimore City Vacants to Value
MI City of Detroit/National Faith ARPA Homebuyer Assistance Program
MI City of Lincoln Park/National Faith Down Payment Assistance Program
MI City of Port Huron Urban Pioneer Program
MI City of Westland/National Faith Down Payment Assistance
MI Holland Public Schools Teachers Live Here
MO St Louis County HOME Investment Program
TN Shelby County Shelby County Down Payment
TN The Housing Fund Inc (THF) Down Payment Assistance
TX City of Beaumont Down Payment Assistance
TX City of Grand Prairie Buying Power Program
TX City of Tyler First Time Homebuyers Program
TX Montgomery County HOME FUND Program
TX South Main Baptist Church Employee Purchase Assitance


National No Income Limits Homebuyers Down Payment Assistance Program

New for April 2023, our exclusive national down payment assistance home loan program combines a USDA or FHA-insured 30-year fixed rate first mortgage with either a second loan that is fully forgivable after 5 years OR a 10-year repayable second loan. Funds can be used towards a down payment, closing costs, and/or temporary interest rate buydowns.  Open to all eligible borrowers, in other words this program is not restricted to first-time homebuyers or a specific occupaction.



  • 3.5% Down Payment Assistance
  • Forgivable 5-year second loan with 0% interest and NO monthly payments
  • 1st Mortgage: 30-year fixed FHA or USD
  • 2-1 Rate Buydown Available
  • Minimum credit score: 620
  • Gift Funds Allowed
  • Single-Family Home, Condos, PUDs, Manufactured  Homes
  • DPA funds meet FHA’s minimum required investment guidelines


  • Up to 5% Down Payment Assistance
  • 10-year second loan with 30-year amortization
  • 1st Mortgage: 30-year fixed FHA
  • 2-1 Rate Buydown Available
  • Minimum credit score: 660
  • Gift Funds Allowed
  • Single-Family Home, Condos, PUDs, Manufactured  Homes
  • DPA funds meet FHA’s minimum required investment guidelines
  • DPA Advantage has two grant options available: a 3.5% grant and a 2% grant
  • The 3.5% grant offers a true “no money down solution” with up to an additional 3% toward closing costs
  • If you do not need the “no money down” solution, you can opt for a lower interest rate
  • No repayment required
  • No need for a second lien on the property
  • May be combined with up to 6% seller concession for closing costs
  • Minimum qualifying credit score: 620
  • Can be used with the FHA 203(b) program or any of our FHA renovation programs, as well as the FHA One-Time Close program (the 3.5% grant is not currently available for the FHA OTC program)
  • Program has expanded to include eligible properties located in an underserved census tract.
Apply Now!