What is down payment assistance?
Down payment assistance (DPA) helps qualified buyers cover part of the down payment or closing costs through grants, forgivable loans, or second-lien programs—depending on what is available in your area and what you qualify for.
Why DPA exists
Some buyers may be able to afford a monthly payment but need help with the upfront cash needed for a down payment. DPA programs may be able to help bridge that gap for eligible households, often with income limits and first-time buyer definitions.
What varies by program
- Income limits and eligible property types
- Whether assistance is a grant or must be repaid
- Whether you must complete homebuyer education
- Seller concessions and maximum financing rules
Next step
Tell us the county you are buying in and whether anyone on the loan has owned a home in the last three years. We will identify programs to explore and explain each in plain language.
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.