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Choose from 3.5% or 5% assistance that can be used to cover your down payment and or closing costs! Funds are LIMITED. So Apply now!
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Many deals are processed and submitted to underwriting same day
Loans available in all states except New York
640+ Fico Score Required. The higher the score, the more assistance options available
Access to over 150 wholesale lenders which mean more program and interest rate options.
Choose from 3.5% or 5% of assistance to use towards down payment and closing cost
A minimum of $5,000 in household income to qualify
Our goal is to turn you into a homeowner while keeping more money in your pocket!
Committed to giving you all the support and guidance you need.
A DPA loan is a program that helps homebuyers cover all or part of their down payment, and in some cases, closing costs. Assistance may come in the form of a grant, forgivable loan, or deferred-payment loan.
You are NOT required to be a first time homebuyer in order to use most down payment assistance programs.
Eligibility varies by program, but below are some of the main requirements for eligibility:
First-time homebuyers or Repeat Buyers
Minimum monthly income of $5,500+
A minimum credit score (commonly 640+).
Completion of a homebuyer education course.
Programs typically offer between 2% – 5% of the purchase price or a flat dollar amount (e.g., $10,000–$25,000), depending on location and program rules.
While most programs will cover just the minimum down payment requirement of 3-3.5%, choosing the 5% assistance option can give you funds towards closing cost as well.
Although some programs can go down to a 580 Fico Score, most programs require a 640+ to qualify.
Once the form is submitted using one of the Apply Now buttons, a down payment assistance specialist will reach out within 5 minutes to go over options and next steps with you.
Although there are cases where you can purchase a home with $0 out of pocket, there are some up front cost that need to be covered if you plan to use a program. These things include Earnest Money, Inspection and Appraisal costs. We recommend having $3,000-5,000 of your own funds in the event everything isn't covered during the process.
A seller credit (also called a seller concession) is when the seller agrees to give the buyer a credit at closing to help cover some of the buyer’s costs of purchasing the home. This is negotiated at the time you are submitting an offer on the home. This money the seller contributes can be used toward the buyer’s closing costs, prepaid expenses, or interest rate buydowns. If you want to have the least out of pocket, you want to try to negotiate seller credit to go along with the down payment assistance program.
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