Question: What's the most challenging step in buying a home?

Answer: Saving for the down payment.

Solution: Down Payment Assistance Programs

Here are some fast facts about the most popular Down Payment Assistance programs we offer... 

✔️ First things first: all down payment assistance is a loan or grant for your down payment that is then combined with either an FHA or Conventional loan to equal 100% financing.

✔️ Although some programs are address or location-specific - not all are. These are State and National programs and work no matter where you live.

✔️ You do not need to be a first-time home buyer - you can be a first-time home buyer or have owned before - it does not matter. (FYI - a first-time home buyer is defined as someone who hasn't owned a property in 3 years.)

✔️ These programs are for owner-occupied properties, meaning you need to live in the home - it can't be used as a second home, vacation home, investment property, or the like.

✔️ The minimum credit score needed ranges from 580 to 660. (Don't rely on Credit Karma, Credit Sesame, or your friend. When you complete an online application and run credit, we use that.)

✔️ There is no max income for many of the programs. (That means you can make $5 million a year and still qualify. It does not matter.)

✔️ This works on a home, townhome, condo, or PUD (no manufactured, mobile, 2/3/4 units.)

Contact Me

Do You Know:

You don’t need 20% down.


A 20% down payment on a home is excellent, but it’s not a requirement. Many mortgages require no more than 3% to 5% of the purchase price as a down payment. Plus, some loans and grants may help cover these costs. Use our database to search for down payment assistance in your area.

Average Homebuyer Age


The National Association of Realtors (NAR) shows the average age for first-time homebuyers is 33 this year, but why wait? You don’t need 20% down; down payment assistance may be available.

Incentive Programs


Are you a community hero? Almost 16% of all programs provide special incentives for veterans, active military, doctors, firefighters, educators, and healthcare workers.

Find the down payment assistance you need


Down payment assistance is available for income- and credit-qualified buyers ready for homeownership. Our online database provides a customizable search experience matching buyers with programs that meet their home-buying needs.*

*Please remember that I am approved with 40 +/- wholesale lenders, and each lender will have different DPA program requirements. Credit scores, months reserves, DTIs, etc can vary from lender to lender.


Real Estate Websites by Web4Realty

phone email