Many Buyers Think They Need $20,000 to Buy a House

Some programs may help cover the down payment and closing costs.

Credit scores starting around 580 in some cases

Available for many first-time buyers

Quick eligibility check

Programs may help with down payment or closing costs

Why Choose Down Payment Assistance

The Smart Way to

Buy Your First Home

Down Payment Assistance (DPA) programs help buyers get into a home sooner — covering part or all of your required down payment and even closing costs, so you can own instead of rent.

Up to 3.5% Down Payment Assistance

Get help covering your down payment and even closing costs — with 2%, 2.5% or 3.5% DPA options available depending on your loan type and eligibility.

Low Credit Score Friendly (580+ FICO)

You don’t need perfect credit to qualify. Buyers with 580+ FICO can get approved through AUS — or 600+ with manual underwriting.

Forgivable or Repayable Assistance

FHA Purchase loan combined with a forgivable grant.

No Income Limits options

Unlike other DPA programs, there’s no income cap — making it easier for both first-time and repeat buyers to qualify for assistance.

Flexible Property Types

Use DPA on single-family homes, duplexes, cond or manufactured homes — giving you more flexibility when choosing your new home.

2-1 Buydown Options

Lower your first two years of mortgage payments with a 2-1 temporary buydown, available on select 3.5% DPA programs for added affordability.

Loan Features

Down Payment Assistance Loan Highlights

Everything you need to know about our DPA programs — designed to help homebuyers cover their down payment and closing costs with flexible, affordable options.

Key Details

580+ FICO accepted (620+ for manual underwriting).

No income limits — all buyers welcome.

1–2 unit homes, condos, and manufactured homes eligible.

30-year fixed FHA loans

Serving CA, FL, IN, KS, KY, & TX — all other states handled by licensed team partners. (We don't service CT or NY)

Up to 3.5% assistance toward your down payment or closing costs.

2-1 buydown available on select programs.

HUD-approved homebuyer education required.

Non-occupant co-borrowers allowed for stronger qualification.

Fast approval process with standard FHA underwriting.

Ready to Take the Next Step?

See if you qualify for Down Payment Assistance