Down Payment Assistance

Get Help With Your Down Payment and Closing Costs.

Down Payment Assistance

Down payment assistance programs help bridge the gap between your savings and the funds needed to close. Whether through a state agency, county program, or lender credit, we match you with the right assistance so you can buy sooner and keep more cash in reserve.

Highlights

Grants, second liens, and silent seconds available.
Designed for first-time and repeat buyers with limited savings.
Can be combined with FHA, VA, USDA, and conventional loans.
Income and purchase-price limits may apply by program.

Best For

First-time homebuyers with stable income but limited savings
Buyers who qualify for a loan but need help with the down payment or closing costs
Borrowers in state or local assistance programs

Types of assistance

Programs include forgivable grants, low-interest repayable loans, and silent second mortgages. Some require no monthly payment.

How it works at closing

Assistance is typically applied to your down payment, closing costs, or prepaids, reducing the amount you need to bring to the table.

Eligibility

Most programs look at income, purchase price, credit score, and first-time buyer status. We'll review every option you qualify for.

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Down Payment Assistance