Down Payment Assistance (DPA) Programs

Get help covering upfront costs so you can buy with confidence.

One of the biggest challenges for homebuyers is saving for a down payment. Down Payment Assistance (DPA) programs are designed to help with that. Whether you’re a first-time buyer or someone who needs a little boost to get into a home, DPA programs offer grants, second loans, or forgivable loans to reduce your upfront costs and make homeownership more attainable.

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Down Payment Assistance (DPA) Programs Are Good For:

DPA programs are designed for first-time buyers and moderate-income households who need help covering upfront costs. They’re a great fit for borrowers using FHA, VA, or Conventional loans who qualify for local or state-based assistance to reduce their out-of-pocket expenses.

Down Payment Assistance (DPA) Programs Details

Eligibility Requirements +

Eligibility is usually based on income, credit score, and the location of the home. Many programs require buyers to complete a homebuyer education course and work with an approved lender.

Types of Assistance +

Assistance may be offered as a flat dollar amount or as a percentage of the home’s purchase price. Some programs cover both the down payment and closing costs, and others may be paired with government-backed loans like FHA or VA.

Repayment Terms +

Some DPA loans are fully forgivable if you stay in the home for a certain number of years, while others may require repayment only if you sell or refinance within a specified timeframe. A loan officer can explain what applies in your state.

Choosing the Right Fit +

There are thousands of DPA programs across the country, each with its own rules and benefits. Working with a knowledgeable loan officer can help you navigate your options and make sure you do not leave money on the table.

Not the Loan You Were Looking For?

Secure Your Down Payment Assistance (DPA) Program at One of Our Branches

You do not have to do it alone. Our loan officers are here to help you find and qualify for the right assistance program in your area. Let us guide you through the options and get you one step closer to owning your home. Reach out to your local branch to get started today.

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Mr. Sharif made the process very smooth. He explained me the whole process very well. My closing was after 2 months and the interest rates were going up and the sharif guided me to lock the lower rates for two months. Other lenders were not ready to …

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Erik Anderson

Valentina did an amazing job at breaking down the tasks associated with our home buying experience. At each step she walked us through the importance, clearly identified what was expected, and provided additional advisement when there was confusion. …

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Satya Putta

Sharif and his team Ana, has been pleasant to work with. He was detailed and competitive in the offering, quick at responding to our needs of getting a pre-approval letter, as we made an offer, and quick at finalizing details to meet the closing date…

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His professionalism and understanding of our needs.

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Everything was done very well and everyone was so attentive to what needed to be done. I felt very taken care of.

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Down Payment Assistance (DPA) Programs

Get help covering upfront costs so you can buy with confidence.

Down Payment Assistance (DPA) Programs Are Good For:

Down Payment Assistance (DPA) Programs Details

Eligibility Requirements +

Types of Assistance +

Repayment Terms +

Choosing the Right Fit +

Secure Your Down Payment Assistance (DPA) Program at One of Our Branches

Hear From People Who Loved Working With Us

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