What is the HERO program?
HERO mortgage programs are built to support community heroes—like educators, first responders, medical professionals, civil servants, and military personnel—with down payment assistance and streamlined processing in many cases.
Benefits you may see (program dependent)
- Down payment assistance structured as a grant (often 2% or 3.5% of the purchase price in qualifying scenarios).
- May be combined with seller concessions for closing costs when allowed.
- Designed to pair with popular programs like FHA in many cases.
Who may qualify
Eligibility is based on your role and the loan program rules. Common qualifying categories include first responders, educators, healthcare workers, civil servants, and military personnel (definitions vary—your loan officer will confirm).
Important notes
- Income limits may apply (often tied to area median income).
- Program availability can vary by state.
Next step
If you think you may qualify, tell us your occupation, purchase price range, and timeline. We will confirm eligibility and compare HERO with other assistance options.
Contact us to see what you qualify for
All loans are subject to credit and underwriting approval. Program guidelines, rates, and limits change. This page is for general education and is not a commitment to lend. Ask a licensed loan officer for details that apply to you. Down payment assistance programs are subject to eligibility requirements, including income limits, property qualifications, and available funding.